I signed up for the Apple IPhone Upgrade Program with an AT&T phone. I switched to the new service Visible by Verizon. Visible is not covered by the upgrade program (only the big four in the US) so if I want a new phone this year I have to pay off this one, sell it, and buy a new SIM-free phone. Not a huge deal, but definitely a different kind of cash outlay than I am used to from the upgrade program. Not sure why the program needs to be locked to just the big four carriers.