If you have an existing account: 1. Change your account to a family plan. 2. Add the iPhone as a new line to the existing family plan and you will pay additional 9.99 a month. 3. You will get the iPhone at a discounted rate. Your iPhone discount will be offset by 9.99 * 24 Months but at least you wont have to fork over the entire non-subsidized cost at once. Just a thought folks.