Here's my dilemma. I lost my AT&T iPhone 5s, 64gb, no insurance. BUMMER! The phone was purchased in Sept. 2013. The unlocked phone sells for $850. I spoke with AT&T and they gave me 2 alternatives. One is NEXT. Pay a monthly fee which will totals $850, i.e., $42.50 for 20 months. Unlimited voice, text (int'l included) and 2gb of data for the phone and my iPad is $75. The program includes a new phone every year. So, the entire monthly fee would be $117.50 plus taxes and baloney charges. It doesn't seem bad. The other alternative is to go with their exception program. Pay $659 for the phone and $90 month for the same monthly services. Two year contract. I don't like the idea of a contract when I buy an unsubsidized phone, although the NEXT plan basically requires a 1 year contract too. Another alternative is to pay the $250 cancellation fee and go elsewhere. T-Mobile has good service in my area but I hear people who swear by them and swear at them. Advice welcome!!