I'm not sure; I think it would depend on your plan. For my family and I, we have this plan where, after a year, we would be able to trade in our phone--or something like that. If it's really bothering you, then maybe you should just buy the phone. But if you don't know if your phone covers that or not (some plans cover some phones, but for other phones, you may have to pay an extra fee), then you should probably call your local Best Buy or T-Mobile store.