My employer pays for my Verizon plan so no phone bill for me :)

Big fan of MVNO's previously, but we moved to a more congested area (from a more rural area) and they just can't offer the speeds we need due to all the deprioritization. Data's almost unusable in some parts here.

The wife traded in her iPhone 11 for a 13PM and got ~$800 off with AT&T. She was using AT&T prepaid previously @ $60 a month (Top plan with AT&T prepaid does not have deprioritization) and when she got the 13PM, switched to a postpaid plan for $68. She's now stuck in that plan for another 2 years, but overall is happy with her service.

MVNO's are great if they work well in your area. But there's nothing like a dedicated line