What results do you get if you run this query in phpMyAdmin:
SHOW GLOBAL VARIABLES LIKE '%max_user_connections%';
SHOW VARIABLES LIKE '%max_user_connections%';
With a GLOBAL modifier, the statement displays global system variable values. With a SESSION modifier, the statement displays the system variable values that are in effect for the current connection.
I mean i guess you already have shown the session one being 200 - but still. Are you sure it's set correctly in your my.cnf?
Alternatively you can also run
SHOW FULL PROCESSLIST;
To see what your connections are doing