Finding the right phone 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 area where you’ll use your phone the most. Throw in carriers’ near-continual plan changes, and it’s a recipe for confusion.

To make the decision easier, we’ve gone through each carriers’ plans to figure out which one is the best for your particular needs. T-Mobile has the best family plan because the carrier gives each family member his or her own pool of data, with four lines with 10GB of data each costing $140 a month. T-Mobile also has the best unlimited data plan for individuals, which costs $95 monthly.

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

Verizon offers the most compelling individual cellphone plan, costing $65 a month for 3GB, thanks largely to its superior 4G performance. MetroPCS has the best prepaid options, whether it’s the carrier’s $40-a-month 3GB plan or its $60 unlimited data offering, because it offers the best speeds among its peers. Families looking for prepaid coverage should consider the massive discounts Boost offers when you add additional lines to its plans.

These are the best cellular plans available right now.

Best Cellphone Plans: Our Top Picks

In evaluating plans, we looked at the four major U.S. carriers — AT&T, Sprint, T-Mobile and Verizon — and what they offer. We also evaluated five discount carriers: Boost Mobile, Cricket, MetroPCS, Straight Talk and Virgin. In addition to price, we considered network coverage and performance, including results from our own 4G network testing in half-a-dozen cities. In some cases, total savings on one carrier’s plan outweighed the performance edge another carrier might enjoy; other times, network performance was a deciding factor in our choice.

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.

MORE: How the Carriers' 4G Speeds Compare

If you can't wait until your deal is up with your current carrier, the major carriers are all willing to pick up some of the cost to get you to switch. Verizon, Sprint, and T-Mobile all offer up to $650 for each phone you switch over to pay off your phone purchases and early termination fees; AT&T offers a $100 bill credit for switching over plus $200 for trading in an eligible smartphone. Note that this money will come in the form of prepaid gift cards and that every carrier requires you to trade in your existing phone.

Some carriers offer other incentives to switch over. As of this writing, Sprint is continuing a “Cut Your Bill in Half” promotion for AT&T, T-Mobile and Verizon customers. In the case of T-Mobile, the offer only applies to tiered-data Simple Choice plans and not the Uncarrier’s unlimited data offering. There’s also a $36 per phone activation fee, and T-Mobile switchers who go over their data limit will be throttled to 2G speeds. (AT&T and Verizon switchers are charged 1.5 cents per MB if they use more data than Sprint’s giving them.) You do have that $650 per line credit when you switch, though.

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

Before you decide whether to switch your cellphone plan, make sure to check carriers’ websites for any special offers. In recent years, carriers have gotten aggressive in trying to lure new customers, and that figures to continue in 2016, with switching deals popping up from time to time.

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  • Verizon's XL plan is a scam...a true bait and switch. Just switched to their XL plan in mid-November 2015. Promised 12GB data for $80 per month with a $20 per line access fee for a total of $160 per month for 4 phones. Just called them as the bill has been incorrect since signing up showing a $40 per line access fee per month not the $20 fee per line. After 85 minutes on the phone with Verizon customer service with much of the time on hold, was told by the supervisor that the $20 line access fee was a mistake on their part and we should look at page 17 of our bill that explains they are correcting their error and charging $40 instead. Looking to file an FCC complaint on this. If there's another route we should take we would love advice. This is just so infuriating to have such a large company advertise their new and improved plans since August 2015 to have this rip-off happen.
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  • MetroPCS now includes the mobile hotspot with the rest of the service at no additional charge.
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  • I had the WORST experience with Cricket. Placed my order online, they billed me, and the phone never came. They debited my account, credited it, then debited it again. When I called, because I hadn't written down the order number(because on the order confirmation page it says "don't have a pen, don't worry, we'll send you an email with your order number....which never came) they couldn't look up anything. I got bumped from department to department and person to person, all the while they talked to me off those scripts they use. They literally made it my, the customer, responsibility to supply a way for them to look up my order that was based on their system. Not something I could tell them about myself.They said without the order number, their was absolutely nothing they could do, though they could charge me $160. Finally they told me to dispute it with my bank. It was the most frustrating customer service experience I've ever had and I will never subject myself to risking that kind of absurdity again.
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  • I think best cell phone that is popularly known to a smartphone these days plan should consider the budget of your phone first. If you are not getting back your product after placing it online then you have right to lodge a complaint against it.
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  • The info on Straight talks network in this article is inaccurate. Straight Talk works on Verizon, AT&T, Sprint, and TMobile towers depending on which sim you use from the activation kit. With that added info it makes it a no contest and over all best value in wireless 10 GB of high speed data on nations best network unlimited national calling and texts for $55 per month is the best over all value / deal in wireless right now.
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  • Andy_51, what are you talking about. I see nothing about anything called straight talk in the article. Are you spamming or has something been redacted from the article?
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  • This is NONSENSE! T-Mobile & Sprint have HORRIBLE coverage...totally horrible, especially in the rural south!

    Cricket has nationwide coverage and for $65 a month, including all fees and taxes, you can get truly unlimited with NO CAP and no throttling no matter how much you use.

    How much are these other companies paying "Tom's Guide" for his twisted and untrue ratings?
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  • To be fair to Tom's Guide, they probably test the networks in highly populated areas with good coverage. Assuming all of them have great coverage while testing, they will most likely perform better than Cricket because Cricket throttles download and upload speeds to 8mbps and 4mbps respectively. So, all they have to do to "perform better" is beat those speeds.
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  • How low can you go? First rule: Get a land line. Use it 90% when your at home. Second Rule: T-Mobile prepaid with the cheapest phone you can find. Put $100 (1,000 min) on it and be frugal how you use the minutes. When you roll over towards the end of your year they will give you an additional 18 % in time. You are now a Gold Standing Customer. Go figure! T-Mobile now has a $30 a month plan: Unlimited text and data and 100 minutes of talk. Now use all your extra savings and time and go live life. Or give all your money to your service provider for which they in return will give you cancer, you die, they get rich. Your choice.

    Seems like common sense to me but then common sense isn't common.
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  • I visited my local Cricket Wireless store on May 12th 2016. I told the store clerk that I'm flying out to jamaica and would like to make calls from Jamaica to Louisiana. He said we can do that and the international plan is $15. I was unable to make any calls. I contacted Cricket while in Jamaica was told to go into a Cricket store in Jamaica after being transferred several times. That call to the U.S. cost $3 per minute which lasted 10 minutes. I contacted Cricket and went into the store after I arrived back home from vacation. I was told the international plan is only good for calling to Jamaica and they refused to credit my account.
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