In 2015, Apple decided to shake things up a bit in the cell phone market. They launched an invasion into the territory of cell service providers by offering the iPhone Upgrade Program. The program is similar to the installment plans that all of the major US cell carriers started offering a year or two before, but a couple of major distinguishing factors. First off, the phones come unlocked, and can be used with any of the major carriers. Second, the phones arrive covered by AppleCare+, which offers up to two reasonably priced repairs per year for accidental damage with small deductibles.