What plan do you have? How much data do you have?
The old way of getting a subsidized phone for reduced price is essentially gone, especially if you want a promotion. It is correct that you are buying a new phone at retail with cost spread out over 24 months. In return of not having a subsidized phone, your line access fee should have been reduced, but we need to know your plan to estimate if you are getting what you are supposed to get or there is a problem.