Great article! FYI I use a $40 plan with ATT plus NYS tax =$43.20, including saving $5 with automatic withdrawal payment. I purchase my own phone (refurbished Iphone 6, not the newest model), and don’t pay ATT for phone insurance. Data is limited, but I mostly use unlimited wifi, so I have no problem with this. I love this plan and the price. I use ATT also because I take a vacation every year in a remote area in Canada where ATT reception is better than the others and this is life safety issue, a dealmaker/dealbreaker issue for me. Again thanks for the great article!