Earlier this month T-Mobile unveiled a new plan called Jump that tries to make it easier for you to upgrade phones as early as every two months for a hefty $10/month extra. The math there only really adds up if you were already paying for insurance and were planning on upgrading very close to every 6 months and don’t like reselling your electronics. Now AT&T has joined the fray with a similar program that has you paying for the whole device in payments (without subsidies) broken out over 20 months without any down payment. They will then let you upgrade to a new device after 12 months if you hand in your old device. Once again the math does not really add up unless you don’t like to resell your device.
If you are thinking about both plans I recommend doing the math and figuring out if it actually makes sense. First of all you are forgoing subsidies though this may make upgrades a bit more affordable for people who cannot make a down payment. The Verge has a nice analysis of the T-Mobile Jump plan. At least that plan includes insurance built in.