Upgrading
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I would at this minute be upgrading my IPhone 13 Pro Max if I didn’t have to change plans. Not sure why changing plans is a requirement? I love my current plan and love the perks. Guess I gotta just gotta realize that a new phone is not in my near future.
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Needing to be on the highest level postpaid plan is an industry practice for "get a phone" deals from my experience. Even a certain budget carrier who is huge in my area has the requirement that you must use the fanciest plan in order to qualify for phone upgrades.
Since you're a postpaid customer, maybe you can buy a phone through Verizon and pay in installments? It would not be a "free phone" or "trade-in" deal, but just paying over time for a new phone? I'm prepaid, so can't tell you for sure since prepaid customers have to "prepay" for everything.
Another option is to buy a factory unlocked phone directly from the manufacturer. Just looked at Apple.com as an example, and there's a financing option to get an iPhone.
I'm not a Verizon employee, just another customer trying to help.

