
02.11.26
How to Lower Your Cell Phone Bill
by Valeria Dulava
The federal Lifeline program gives qualified households a discount on phone service. If you don't qualify, or are losing your discount, there are other ways to get low-cost service.
Because phone service is a basic essential these days, the federal Lifeline program helps low-income households pay for phone and internet service. However, not every carrier participates — notably, as of March 31, 2026, US Cellular customers will lose their Lifeline discount as T-Mobile takes over that carrier.
Even if your carrier participates in Lifeline, you still face strict eligibility requirements to get certified, and you must re-certify every year to continue receiving the benefits. But you have other options.
TextNow is the best Lifeline alternative, offering free and low-cost phone service. Unlike the Lifeline program, there are no eligibility requirements. Everyone can use TextNow, regardless of household income or participation in government assistance programs.
Here's everything you need to know about Lifeline: what it is, how it works, and what alternatives are available — including what to do if you're losing your US Cellular Lifeline discount.
Lifeline is a federal program that subsidizes qualifying phone carriers’ plans, up to $9.25 off each month (up to $34.25 off for those on Tribal lands). This program can be used for phone, internet or bundled phone-internet service. After a similar program called ACP ended in 2024, Lifeline is the main federal program to for reduced-cost wireless service.
So if you are eligible and sign up for a qualifying phone plan that would normally cost $25 a month, with Lifeline, you would pay as little as $15.75 a month. Some providers have plans priced low enough that the Lifeline discount completely covers the cost.
To qualify for Lifeline, you must meet any one of these requirements:
2026 Federal Poverty Guidelines at 135%:
There is a comprehensive list of wireless carriers that participate in the Lifeline program, giving you a discount on your monthly phone or internet bill. The main carriers include Assurance Wireless, Q Link Wireless, SafeLink Wireless, and TruConnect. The Big 3 networks (T-Mobile, Verizon, AT&T) also participate with their prepaid phone plans. To find out what carrier to sign up with, check the full list of the participating Lifeline carriers by county.
There are a few carriers on that participating list that can discount the service even further to $0/month. TruConnect is one, where if you’re enrolled in Lifeline, you can get a SIM card with unlimited talk & text and 4.5GB of high-speed data for free. Note that you will have to have your own phone to use, though they do offer discounted devices as well if that’s not the case.
Other supporting carriers that offer free phone service include Life Wireless, StandUp Wireless, and Assurance Wireless.
>> Read more: How to get free phone service.
US Cellular customers will still have service as it becomes part of T-Mobile — but Lifeline discounts on US Cellular bills end March 31, 2026, so they'll see higher bills. Those who want to stay on the Lifeline program must apply directly with a new provider and get approved. Customers can check what's available in their area.
Yes, you can qualify for a free phone through participating Lifeline carriers such as Life Wireless, Assist Wireless and Gen Mobile. Thankfully, these phones are mandated to support mobile hotspot, though you won’t find a particularly large selection.
Otherwise, the same participating carriers also offer discounted phones that start as low as $50 and go up to over $500.
If you do not qualify for Lifeline or simply don’t want to go through the application process, there are cheap phone plan alternatives that can still help you save on your monthly bill.
>> Read more: TextNow vs. Lifeline
Before you look into affordable alternatives, first determine what kind of phone plan you would need. Most of those Lifeline plans do come with a limited amount of data, indicating that it’s a necessary feature of your phone service.
You can find out how much data you need based on your usage and the types of apps you’d need access to first, so you can search for the right plan for you.
Once you know what kind of plan you need, you also need to set a realistic budget. If you can only afford a $10 plan, set your search filter to “phone plans for $10,” so you only look at plans in that price range. If you’re not sure what price point you can afford, sit down and make a monthly budget first, so you can see how much room you have for expenses outside of your living ones.
Hopefully, you’re able to match the price with the data plan that you need. But if that’s not the case, you can learn to reduce your data usage through various settings and hacks, so you can opt for a lower data limit plan without sacrificing on the apps and services that you use.
If your budget is really tight, a free phone service is a viable option that will keep you connected without a monthly bill. These are not government programs, but rather phone carriers that offer their services for free.
TextNow is one of those carriers that offers its base plan – Free Flex Data– for free. It provides a free phone number (or you can bring your own) with unlimited texts & calls, plus free data to access essential apps like email, maps, and rideshare (Uber & Lyft).
>> Read more: Lifeline vs. TextNow
How is it free?
Like many other services, it’s able to keep its base service free with ads. Your conversations happen on the TextNow app, which has ads. It’s also supported by a Perks program that works with the same brands to offer weekly discounts, promotions, and free trials (similar to T-Mobile Tuesdays.)
Helium Mobile is another carrier that offers its base plan – Zero Plan – for free. It provides 100 minutes for talk, 300 text messages, and 3GB of data.
Our Helium Mobile vs. TextNow review lets you compare the services to see what’s right for you.
A free phone plan offered by a carrier comes with several advantages, such as:
While a free phone is a great alternative to expensive phone service, there are some disadvantages to consider before signing up for one:
Got questions or comments? Send us a note at [email protected]!