Unfortunately, if you aren't eligible for an upgrade yet, you can't get the 3G iPhone @ $199. Another suggestion is to open a new mobile # to put it on a Family Talk plan as a secondary phone @ $9.99/month. After that you can just swap your SIM card into the iPhone.
I want the 3G Iphone for $199 but I'm not due for an upgrade until next year. Are there any ways around paying $400 for this phone in my situation?