My husband is the account holder/owner and we are both on a family plan. AT&T says I can by my phone without his presence IF he calls to authorize me. He did. 2 Apple stores have told me it doesn't matter because AT&T told them to sell only to the main holder of the account. Period. So even though I'm "authorized", Apple won't let me buy my own phone. I would have to go to an AT&T store (which I won't do and would probably have problems anyway). No phone for me tomorrow. wow If anyone has any conflicting info - I'd love to hear it.