Tmobile is offering me 4 lines on the Amplified plan for $160/month, plus paying off my 2 phones ($1200) and $400 in an
activation credit.
I'm currently paying $160/month for 2 lines with VZW, not unlimited, and paying for the devices and insurance. With having the devices paid off, I wouldn't be worried about insurance (my wife wanted the insurance, not me anyway)