T-Mobile is entering the non-contract world. And they're keeping it simple with just three plans.

For $50/month the T-Mobile plan offers 500 MB of high-speed data, with Smartphone Mobile HotSpot service included. For $60/month, you get 2.5 GB of high-speed data and a HotSpot. In both these plans, data speeds slow to 2G speeds after you hit the data limit. For $70/month you get unlimited high-speed data.

Clark's been testing T-Mobile as he travels across the nation, and so far has found no service or voice problems.

T-Mobile even has discount plans that undercuts their own plan, Go Smart Mobile. On that plan, $30/month gets you unlimited calls and text;  $45/month for unlimited calls, text and web.

The catch? In both cases you'll have to pay full price for your phone. Clark paid $299 for his Google Nexus 4. But in relatively little time you more than make up for this initial outlay.

And what's more: no-contract carriers have a much, much larger incentive to be service-oriented to their customers. Why? Because they have to re-earn their customers loyalty and trust month after month. Contract carriers rope you in with an initial deal, but then have little incentive to offer a good level of support for the duration of the contract.

With so many Americans gravitating to no-contract discount plans such as Straight Talk, Boost Mobile and Virgin Mobile, the cell industry is stabilizing. It's settling into an industry-wide pricing structure averaging around $45-$60 month.

Image of Clark Howard About the author: Clark Howard

Clark Howard is a consumer expert whose goal is to help you keep more of the money you make. His national radio show and website show you ways to put more money in your pocket, with advice you can trust. View More Articles

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