Hotspot is simply turning your device into access point for others to use the data or WiFi you are already connected to & pay for. I would challenge any provider who wants you to pay for making your phone a hotspot. You already paid them for the data. How you use it is up to you. Certainly in Australia there is no such thing as charging for hotspot & equally my times in USA i have never had to pay for making my phone hotspot USA sources data