Best Cellphone Plans 2015

Finding the right cellular plan to fit your needs is tricky. Beyond just dollars and cents, you need to consider which phones are supported by which wireless carriers and what coverage and data speeds are like in the areas where you'll be using your phone the most. Throw in carriers' continual changes in their plans, and it's a recipe for confusion.

To help make your decision easier, we looked at the plans from the four major carriers — AT&T, Sprint, T-Mobile and Verizon — as well as offerings from five prepaid carriers — Boost Mobile, Cricket Wireless, MetroPCS, Straight Talk and Virgin Mobile. We broke things down into six different kinds of plans, for individuals, families and prepaid customers. To arrive at our choices, we considered pricing, value, network coverage and performance.

MORE: Who Is the Top All-Around Carrier in the U.S.?

For performance, we looked at our own test results in six cities, along with reports from firms that specialize in network testing. In some cases, total savings on one carrier's plan outweighed the performance edge that another carrier might enjoy; in other cases, network performance was a crucial factor in our choice.

These are the best cellular plans available right now.

Best Cellphone Plans: Our Top Picks

Should You Switch?

If these are the best plans, does that mean you should drop your current carrier for one of the above plans that best covers your needs? (That assumes, of course, that the carrier we recommend provides ample coverage for your area.) Yes, but only if you can switch without consequences.

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If you can't wait until your deal is up with your current carrier, both Sprint and T-Mobile offer nearly consequence-free switching alternatives. T-Mobile will compensate you for your early-termination fees (ETFs) — up to $350 each for up to five lines. If you still owe money on your old phone, you can pay it off yourself and T-Mobile will reimburse you, or you can give it to T-Mobile and the carrier will subtract what you owe on it from the cost of your new T-Mobile phone. If you own your phone, you can sell it to finance a new phone, hand it down to someone else, or trade it in to T-Mobile, which will apply the phone's "book" value toward your new T-Mobile device.

You've likely encountered Sprint's ubiquitous "Cut Your Bill In Half" commercials, in which Sprint promises to give AT&T and Verizon subscribers a rate that's half of what they're currently paying. Sprint will also give switchers up to $350 toward any early-termination fees and pay off the remaining balance of a phone bought via an installment plan.

Verizon has jumped into the switch incentive game a $300 hardware reimbursement offer. Once you buy a new phone from Verizon, if you send in your old phone, you'll get $200 back plus a $100 credit on your bill processed within two to three business cycles, regardless of your old phone's actual value. That's what makes Verizon's offer so compelling, as only relatively new phones would resell for more than the $300 Verizon is offering. You're still on the hook for any early termination fees you may incur, however.

MORE: Carrier Customer Service Showdown: Who's on Top?

Be aware that no one actually "pays" you to switch, as many promotional materials imply or actually say. You have to pay off your ETFs from your soon-to-be old carrier, and then submit the proof of payment to your new carrier. Sprint and T-Mobile then issue you a prepaid debit card, which can take anywhere from four to 12 weeks to arrive.

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  • Another affordable wireless carrier is GIV Mobile. GIV Mobile’s no-contract plans start at just $20/month for unlimited talk and text. Utilizing the 4G LTE network of T-Mobile USA, Inc. GIV Mobile’s five affordable unlimited no-contract plans allow users to have fast and reliable connections from nearly anywhere in the U.S. As an added benefit, 8% of each customer’s monthly plan amount is donated to up to three charities of their choice such as Mercy Housing, American Forests and the Alzheimer’s Association.