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The ones we picked apart work with 4G LTE phones as well. However, the plans often don't always specify that they'll work with 5G phones. To own a 5G phone, most carriers require you to sign up for one of their latest unlimited plans. We're going to give it to you straight: Sifting through carrier plans is a messy, painstaking business that also gets confusing, fast. There's also the monthly cost of your payment plan. But when we talk about the cost of owning a 5G phone, we're not just talking about the amount you pay for the device itself. The selection of 5G phones you can buy in carrier stores and online is growing.

Whether you decide to pick a 5G network now or wait to see how 5G rolls out in your area, here's what to consider when you look at a 5G mobile carrier. Remember, 5G is an inevitability, the same way that 4G replaced 3G before it.

If you should buy a 5G phone now or wait.

How much the carriers could charge for 5G access.

What kind of 5G you can expect on your phone.

When the time comes, you'll need to know which carrier gives you the most for your money. Even if 5G is already in your area, coverage zones may be small and the reception may be iffy - the carriers say they're constantly improving their network capacity. In practice, you may not see a 5G network for a while, especially if you live somewhere more rural than urban. So considering that and the fact that 2020 iPhones are expected to feature 5G in the fall, what does this mean for you and your future 5G phone? It's expected to add the feature to the Galaxy Note 20 and the next Galaxy Fold, rumored to be called the Galaxy Z Fold 2. Samsung is already incorporating 5G into its newest Z Flip. While that spells stronger future performance, it also means 2019 Sprint 5G devices will lose their 5G access. Sprint's original 5G network is getting shut down, with T-Mobile relaunching it to work better with its existing 5G networks.

Sprint is now out of the running, with the Big Four becoming the Big Three now that T-Mobile has closed its mega-merger and is bringing Sprint customers into the fold. One carrier, however, is conspicuously absent. Despite an onslaught of conspiracy theories that have resulted in physical damage to 5G towers, the major US carriers - Verizon, AT&T and T-Mobile - continue to add new 5G phones and expand their networks. The coronavirus pandemic may be pumping the brakes on phone sales, but 5G development is still speeding along.