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Price differences between Pre and Postpaid plans

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I’m currently paying $30 for 5GB on my phone with tethering, and $10 for 5GB over 5 months on my iPad with tethering. I was hoping to add a third line for an Apple Watch, but learned that isn’t allowed by T-Mobile. They recommend a post paid plan instead, but they all seem to be around $100 per month for similar services as I currently have ($70 magenta plan + $20 for iPad + $10 for the watch).

 

Am I missing something here?  Why would post paid plans be more expensive? Why can’t I get another one of those $10/5GB data only plans for the  watch? I rationally understand these may all be intentional hurdles to make us pay for more expensive plans, but this seemed so entirely out of line that I’m doubting myself and wanted a sanity check from the community. O_o


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