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I think you should look into pre-paid SIM cards. I use Vodafone. Just pay upfront and use it whenever. Only drawback is if you are inactive for a year, you'll lose the credit. But they warn you about it and you can save the credit by just making a call or send a text. Works fine for me.
Seems like they only offer limited-time 'travel' plans in the US. You could renew them ... but the longest one is only 30 days, so that's basically just a monthly payment with extra steps.
Ah that's a bummer. I'm in Europe, so no idea if pre-paid is offered at all in the US... Hope you find something useful.
It's seeming like it isn't...
And worse/more annoyingly, the searches are filled with 'The top pre-paid plans! Starting at $10/month!' Apparently, in the US now, "pre-paid" means you still have a monthly fee, you just have to pay it in advance now.