with the contract. It all depends on how your carrier structures their plans.
Historically, US carriers don't change plan pricing based on having a contract. So, you can be month-to-month for $100 per month, or get a two year contract for $100/month plus they give you $500 up front towards the purchase of a $1,000 phone (as received by just discounting the phone up front).
I know this was the case historically, but I think it stopped being the case for my carrier (ATT) a couple of years ago. I believe our plan is cheaper by not taking the phone subsidy, and sufficiently cheaper to justify paying for the phone up front.
Historically, US carriers don't change plan pricing based on having a contract. So, you can be month-to-month for $100 per month, or get a two year contract for $100/month plus they give you $500 up front towards the purchase of a $1,000 phone (as received by just discounting the phone up front).