Others have got an iPhone and a new contract on their existing plans. I had a choice and the plan I was on isn't offered anymore. It's just the signing up for a 3 year contract that gets the iPhone. Check out the many threads on howard forums for more info. I think the only plans they are denying are the ones that don't pay a SAF.
If the person you get says no, just hang up and call back and try again.
As far as getting an iPhone without a contract until they offer it without a contract here your choices are either eBay, or sign up a new number, get the phone, then cancel the contract and pay the $400 penalty.
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Uncertainty is an uncomfortable position.
But certainty is an absurd one.
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