The (USIP) label is the whole decision
Our United States plans split into two groups. Standard plans route out through Hong Kong. Plans marked (USIP) route out from inside the United States. Both connect to the same American networks and both cost roughly the same, so the routing is the real choice, not the price.
It matters because a lot of American services check where your connection appears to come from, not where your phone physically is. US streaming catalogues, some banking and brokerage apps, ticketing sites, and regional sports coverage all behave differently depending on the exit point. On a standard plan those services see a Hong Kong connection while you are standing in Chicago, which can produce the wrong catalogue, an extra verification step, or a refusal to load.
If your trip is maps, messaging, rideshare and email, the standard plans are fine and slightly cheaper. If you expect to use American services the way a local would, buy the (USIP) version. The price gap is small โ 10 GB over 30 days is $13.26 standard against $12.08 on (USIP), so in that tier the US-routed plan is actually the cheaper of the two.