Jump On Demand Lease

Anyone have experience with jump on demand lease, and T-Mobile seeming to want to get people off that program? Every year my wife and I just turn in our iPhones for new model, with small down payment, but this year they are saying it's over $400 down. So should we pay off lease and get into new purchase plan (which seems like only best option), and what plan if we do want to upgrade each year?