Premium phone plans used to mean paying extra for a bigger hotspot. Now the top tier at every major carrier bundles 4K video, serious international data and cheap watch lines, and on four lines they all land between $60 and $70 per line. So which one is worth the jump from a regular unlimited plan?
How I picked these plans
I looked at each carrier's most expensive plan and compared hotspot allowances, video quality, international data, connected-device discounts and price guarantees. Every figure comes from the carrier's own pages, checked on October 29, 2026, and where a carrier's own numbers disagree I've used the less flattering one.
If you just want unlimited data without the extras, our unlimited guide covers the tier below. Taxes and fees are extra unless noted, and this guide gets refreshed every month.
Big three carriers
T-Mobile Experience Beyond 2.0: best overall premium plan
T-Mobile's Experience Beyond 2.0 includes unlimited premium data, 250GB of high-speed hotspot data and video up to 4K UHD, according to T-Mobile. Travelers get 30GB of high-speed data in Canada and Mexico and 15GB across 215+ countries and destinations.
The extras are where Beyond earns its price. T-Mobile includes Netflix Standard with ads, Hulu and T-Satellite, plus Apple TV for $3 a month and watch and tablet lines for $5 a month, and it's the only plan here with a price guarantee in writing, T-Mobile's 5-Year Price Guarantee. I've broken those extras down in our perks guide.
Beyond costs $105 a month for one line, $180 for two and $280 for four, before T-Mobile's AutoPay discount, which its plans page doesn't size. T-Mobile also charges a $35 per line device connection charge and a $5.49 per line regulatory and telco recovery fee.
T-Mix Loaded: T-Mobile's next top plan, arriving in November
T-Mobile announced T-Mix on October 26 and says the plans will be available in November. Loaded is the top tier at $95 a month for one line, $160 for two and $240 for four, with AutoPay, according to T-Mobile.
On paper, Loaded matches Beyond's core specs: unlimited premium data, up to 4K video, 250GB of hotspot data, 30GB in Canada and Mexico and 15GB internationally. Instead of fixed bundles, you get three Picks per line on a single line, which T-Mobile lets you spend on services like Netflix, Hulu, YouTube Premium or T-Satellite.
T-Mobile says Loaded delivers at least $120 a month in average value per line, and it includes Optimized Video Calling plus eligibility for $5 watch and tablet lines. Our T-Mix story has the full Picks breakdown, and I'll rank Loaded properly once it's on sale.
Verizon Unlimited Ultimate: best premium plan on Verizon
Verizon's Unlimited Ultimate costs $60 per line on four or more lines and $70 per line on three, with AutoPay and paper-free billing, according to Verizon. Without AutoPay, Verizon adds $10 per line, and its myPlan page doesn't list one- or two-line prices.
Verizon says Ultimate includes unlimited hotspot that slows to 6Mbps after 200GB a month, video up to 4K on 5G Ultra Wideband and up to 1080p elsewhere. Abroad, you get 15GB of high-speed data a month and unlimited talk and text in 210+ countries and destinations.
Ultimate also takes up to 50% off two connected-device plans for a watch, tablet or hotspot, per Verizon. Verizon's banner advertises $55 per line on four lines with an offer credit, but that requires a new line, so I'm sticking with the standard price.
AT&T Elite 2.0: best premium plan on AT&T
AT&T's Elite 2.0 costs $70 per line on four lines, including a $10 per line discount for AutoPay and paperless billing with a bank account or AT&T's Citi card. AT&T says debit cards get $5 off and other credit cards get nothing, and it doesn't list one- to three-line prices.
AT&T says Elite's high-speed data can't slow down based on how much you use, and you get 250GB of hotspot data per line. Travel coverage includes unlimited talk, text and data in 20 Latin American countries and 20GB of international data a month in 190+ destinations.
Elite's standout perk is connected devices: AT&T includes service for one tablet and one watch per phone line at no extra cost. Video streams in standard definition by default, according to AT&T, though you can switch to higher quality in your account settings. If you don't need those extras, Premium 2.0 costs $50 per line on four lines.
Premium value picks
Google Fi Unlimited Premium: best premium value for families
Google Fi's Unlimited Premium costs $65 a month for one line, $55 per line on two, $45 on three and $40 per line on four to six lines, according to Google Fi. Taxes and government fees are extra, and Fi says they normally add 10 to 20 percent depending on your state.
Fi says the plan includes up to 100GB of high-speed data per person, then 256Kbps, along with 50GB of hotspot data and coverage in 200+ destinations abroad. Data for tablets and laptops is included, and select smartwatches get calls, texts and data at no extra cost.
Fi also throws in 100GB of Google One storage, six months of YouTube Premium and VPN by Google, per Google Fi. That makes it the cheapest plan here on four lines.
Visible+ Pro: best premium value on Verizon's network
Visible+ Pro costs $45 a month with taxes and fees included, or $450 a year, according to Visible. It runs on Verizon's network with unlimited premium data on 5G Ultra Wideband and 5G/LTE.
Visible says Pro includes unlimited hotspot at up to 15Mbps, video up to 4K on 5G Ultra Wideband and smartwatch service at no extra charge. You also get two Global Pass days a month, each with 2GB of high-speed data in 140+ countries, plus roaming in Mexico and Canada at 2GB a day.
US Mobile Unlimited Premium: best premium value for travelers
US Mobile's Unlimited Premium costs $44 a month at its regular price, and new customers who port a number in pay $25 a month for the first six months, according to US Mobile. It includes what US Mobile calls unlimited priority data, plus unlimited hotspot on its Dark Star network.
The 20GB of roaming data in 180+ countries is more than Verizon or T-Mobile include on their top plans. US Mobile also throws in a free smartwatch plan on its Warp network and free network switching, and our travel guide compares it with the other big roaming plans.
Verdict
T-Mobile's Experience Beyond 2.0 is my pick for most people paying for a premium plan, mostly because it's the only one that bundles streaming, satellite texting and a written price guarantee. AT&T's Elite 2.0 makes the most sense for households with tablets and watches, and Verizon's Ultimate has the lowest listed four-line price of the big three at $60 per line.
On a single line, Visible+ Pro and US Mobile Premium get you unlimited hotspot and a free watch line for less than half of Beyond's one-line price. If premium is more than you need, our budget guide starts much lower.
Families who can skip the streaming bundles should look hard at Google Fi, which costs $160 a month for four lines of Unlimited Premium before taxes. Each line still gets 100GB of high-speed data and smartwatch service at no extra cost.
T-Mix Loaded arrives in November and could reshuffle T-Mobile's lineup, so it'll be worth seeing whether Beyond and its price guarantee stick around. Pay for the perks you'll actually use, not the ones that look good on a comparison chart.
