How much would it cost me to switch to an iPhone 6 plus before my current contract expires?

I'm on Verizon. I'm not eligible for an upgrade until May(when my current contract ends).
P.S. If I break or lose my phone will I get out of the fee?

If you break, lose or have your phone stolen, you STILL have to complete the contract and pay for any phone(s) that you are paying for in your monthly bill.

And to find out if you can get an early upgrade, get on the phone and call customer service, often cell phone providers are happy to give you an early upgrade to lock you into another two year contract.