I'm currently on a ATT family plan paying $30/mo for unlimited data and $10/my for 100 minutes (lowest family plan was $50 for 550 minutes, was 450 for $40 before I joined). The both of these get a 15% discount bringing the total to $34/mo. In addition I also get a $450 subsidy every two years which divided by 24 months comes out to $19/mo basically given to me by AT&T. I guess you could think of it as if I am paying $15/mo ($34 - $19) for 100 minutes and unlimited data. I've thought about going to AIO wireless (now called Cricket wireless) in order to be in complete control of my own plan and not have to worry about verifying changes or upgrades with my wireless plan roommate. They have a $35/mo plan (no other taxes or fees) which has unlimited minutes & texting + 500mb of data. I know I wouldn't go over the data limit as I don't stream Pandora or Netflix and I'm good about using wifi. I know the easy reply would be "well how important is having your own account?" or "depends on if you want unlim texting & minutes" but I'm wondering what YOU would do in this certain situation. $34/mo 100 minutes No text 5gb data Phone subsidy every 2 years Family account without independence Or $35/mo Unlimited min Unlimited text 500mb data No phone subsidy Independent account Which of the 2 options above would YOU choose?