I pay $20/mo for Visible, and it works great. The average phone plan with a "free" iPhone from a major carrier is $100-120/mo with a minimum 3 year contract. So

I pay $20/mo for Visible, and it works great. The average phone plan with a "free" iPhone from a major carrier is $100-120/mo with a minimum 3 year contract. So yeah, paying for your phone yourself is always significantly cheaper. You can even get a device payment plan if you want, and the payment plan + phone bill will still be cheaper than the bundle AT&T or Verizon offers you.