Plans get cheaper if there isn't a phone to subsidize (at least with T-mobile.) You end up spending less money over the course of the contract if you buy the phone directly.
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According to the website, the contract-less 1000 min plan costs exactly the same as my 2-yr contract with at&t's 1000 min plan. Except I got a 500 dollar phone for free.
Maybe if the discounts were much steeper and widespread, but as of now, I still don't see a reason.
Are you looking at the Even More Plus? It's not contract-less (there's a document to sign and a credit check) as much as it doesn't require you to sign a long-term contract. It's month to month. While AT&T is saying $59.99/mo for 900 minutes, T-Mobile's 1000 is $39.99/mo, the real savings comes in the data and texting plans. 1000 minutes + Unlimited Text + Unlimited data is $69.99/mo with T-Mobile, versus the gouging AT&T gives you at $109.99/mo.
I guess I'm missing something. t-mobile 1000 minute plan is $40 per month. at&t 900 minute plan is $60 per month.
$20 * 24 = $480, roughly what your phone is worth except you're stuck with the carrier for 2 years.