Looking for help outlining the facts and ultimately making this decision. If this has been discussed/answered in the past I'd appreciate links to those threads in lieu of starting the conversation again. I currently have an AT&T grandfathered Unlimited Data plan with no tethering, no insurance, and no Next. I have a iPhone 5s with a contract expiring next week. I have never been impressed with AT&T's voice & data coverage and I know the risk that I could be less pleased with T-Mobile (southern California). Motivations for moving to T-Mobile below which I can get for roughly $10 more than my current AT&T plan: -Unlimited Call, Text & 4G Data with 7GB Tethering (No tethering with my AT&T plan but this is something I would use) -Unlimited international date & texting (not 4G but I travel enough to feel any unlimited global is a benefit) -JUMP! with included phone insurance Looks like iPhone 6s 128GB requires a $199.99 down payment with T-Mobile whereas AT&T Next does not require a down payment. Also, can someone summarize the difference between T-Mobile's JUMP! and JUMP on Demand! programs? It seems like they are currently or were recently special offers on the on Demand program. Thank you in advance for the help.