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So it seems like you are not understanding the new plans that well.

You pay $XX for the account which covers shared data plus unlimited talk and text.

In addition to that you pay a line access charge. If your phone is under a 2 years service contract you pay $40 for the line. Once that contract is expired the $40 becomes $20. So if you bought a phone and it is paid for you would pay $20 per month for that line to share the data and get unlimited talk and text. I am assuming that if you were told it would be $40 a month then you 2 yr contract has not ended. Just because you got it at a discounted price, you didn't pay for it.

Next, '"upgrades" are not how they used to be. You are required to pay full price for devices. Well, we always have paid full price for a device as we had to keep the line with VZW for 2 years in exchange for the discounted price. Now, you get a discount on the line access fee. It becomes $20 per month and you pay additionally whatever the monthly cost is for the phone. That is determined by dividing the full price of the device by 24.

Now the math:

If you are under contract-

$40 (line access fee) x 24 (number of months for contract) $960

$200 (average price of discounted phone)

$40 (upgrade fee)

Totaling- $1200 over 24 months

If you are on DPP

$20 (line access fee) x 24 (length of DPP agreement) $480

$650 (average price of phone)

$30 (Upgrade Fee)

Totaling $1160 over 24 months.

It used to be a larger savings but, as you can see, you really aren't paying more for your device or service.

You just need to read and understand the information.