EDIT: I have now reviewed my bills and the options offered by AT&T. I definitely have not "been screwing myself" and Small White Car was categorically wrong when he or she said I "should definitely change. [I'm] currently on a plan that has the cost of a phone built into it every 2 years." Small White Car used the word "definitely", and so I can say that Small White Car was definitely wrong. Given the number of lines I have, the number of minutes I want, the amount of data I want, and the unlimited texting that I want, I am on the cheapest plan possible from AT&T. There is no cheaper plan. I cannot forgo the privilege of upgrades and get a cheaper plan. The only change possible would be to get a Next plan, and that would increase my monthly bill by the following amount: (price of phone) / (number of months). I'm very impressed Small White Car knows that I should "definitely change" while knowing so little about my telephone plan, but I am less impressed because Small White Car was 100% wrong. Making wrong assumptions is easy and fun, isn't it? It's especially fun because Small White Car got a bunch of upvotes on the post full of wrong assumptions. I have AT&T service, it is an expensive plan. In the past, I have gotten a discount on my iPhones because I sign up for 2 more years of service. I heard that AT&T refused to play ball and those discounts are gone, and now there is a different thing. So, what is going on? Can I get a discount, and how large will the discount be? I have not purchased a new phone in 2.36 years. I called *639# and it replied that I am eligible for an upgrade. These are the iPhone starting prices with no discount. How much are they WITH discount? $769 - iPhone 7 Plus $649 - iPhone 7 $649 - iPhone 6S Plus $549 - iPhone 6S Should I buy from AT&T or from an Apple Store? I prefer to buy at an Apple Store, and as of 2.36 years ago it didn't matter. The AT&T website does not answer these questions, they very badly want me to sign up for a new phone once each year and spend extra money each month, and I don't want that. The Apple website does not answer these questions, it seems to want the nominal price for everything.