A Verizon plan will cost you $100 per month with 2GB of data and unlimited talk and text. At T-Mobile the same plan will cost you $60 per month. If you add the $20 per month for the phone that T-mobile charges, you still save $20 per month by going with T-mobile. BTW, the 928 is listed for $100 on the website. That does not include the tax charges that they will hit you with. One way or another you are paying full price for the phone. Tmobile is just more up front a breaking down the charges for you.