I've found that if you have a family plan, the savings aren't there to sign each person up with a contract free phone. Especially considering that the subsidies

I've found that if you have a family plan, the savings aren't there to sign each person up with a contract free phone. Especially considering that the subsidies now for the latest phones are about $400. The article also doesn't take interest into account for that loan that the provider gives you. If you need to put that contract-free phone on a credit card, that could make it a bad deal as well.