I usually get my phones unlocked since I travel often. Buying a new unlocked phone each year would be a huge busy in the bank. I'm on the T-mobile $30 / month plan (100 minutes, unlimited text, unlimited data [5GB @ 4G LTE]). And since T-mobile got rid of contracts, I can't subsidize either. And dang. That's a lot of data. At most, I use up to 6GB. Can't imagine my iPhone handling all that data.