What are some low-cost smartphone plans for seniors who mostly call and text but also need cellular data for emailing and occasional internet searching?

Many seniors pay far more for smartphone services than they need. If most of your phone activity consists of calls, texts, email, and web browsing, there is usually no need to spend $40 or more a month. The good news is that plenty of low-cost carriers now cater to light users who want reliable service without the extra cost.

The least expensive plans today mostly come from mobile virtual network operators (MVNOs) which are smaller carriers that lease coverage from major national networks. Because they do not run their own towers, MVNOs can offer basic services for a fraction of the cost of major carriers, while still providing nationwide coverage. Here are some of the best options available now.

Low-Cost Wireless Plans

Many low-cost plans offer unlimited talk and text with around 4 to 5 gigabytes (GB) of data for roughly $15 to $20 per month. Some carriers require paying several months or a full year upfront to secure the lowest pricing, which can reduce the effective monthly cost. These plans generally work with most unlocked phones.

For individuals who prefer flexibility, similar plans are often available on a month-to-month basis at comparable price points from major network carriers, allowing users to change or cancel service without a long-term commitment.

For very light use, pay-as-you-go plans may cost only a few dollars per month and include a small number of minutes, texts, and data, with additional usage billed at low per-unit rates. These plans are well suited for individuals who primarily keep a phone for emergencies.

The best way to find and compare low-cost wireless plans is to search online and view coverage options from MVNOs. It can be helpful to look at your data usage, identify which companies offer the best local coverage and compare which plans fit your budget.

Lifeline Program

If your budget is especially limited, be sure to check into the federal Lifeline Assistance Program. Lifeline provides a $9.25 monthly discount on phone or internet service.

You may qualify if you receive benefits such as Medicaid, SNAP (food stamps), Supplemental Security Income (SSI), public housing assistance, or Veterans Pension. You may also qualify based on income alone if your household income is below 135% of the federal poverty level which is currently $21,546 for one person or $29,214 for two.

To learn more or to apply, visit lifelinesupport.org. If approved, you can choose from participating providers in your area, and in some cases even apply the discount to the service you already have, if your provider participates.

Before switching plans, make sure your phone is unlocked and compatible with the new carrier’s network. A quick compatibility check on the provider’s website can help ensure a smooth transition and keep your savings on track.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living” book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization’s official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.