Can you help me figure out Verizon?

I have a Droid phone and am on month to month with Verizon. When I tried to order an Iphone on the Verizon website, they told me there are no more contracts. I found one for 99 cents with a 2 year contract. I also found cheap ones on Target's site "with a 2 year contract." The Verizon customer service online told me that those offers are invalid, because they don't use contracts anymore, and that I will have to make monthly payments for a phone if I need a new one. I am approved for an "upgrade."

So my question is this: Is there a way anymore to get a cheap i-phone? We have good service with Verizon and like their coverage. But why should I pay over $20 a month forever, when I see in at least two websites (Verizon's own and Target) that I can get a 2 year contract and cheap I-phone.

Thanks in advance. I do like the Droid, except for a few issues with photos.