Embodiments relate to a User Equipment (UE) device and associated method performing improved data roaming with reduced cost. The UE may comprise at least one radio, one or more processors, a first SIM entity and a second SIM entity. The first SIM entity may be configured to implement subscriber identity module (SIM) functionality for a subscribed voice and/or data plan of a first carrier. The second SIM entity may be configured to facilitate dynamic subscription to a local data plan of a second carrier when the UE is data roaming outside of a network of the first carrier. As one example, the UE, using the second SIM entity, may be configured to dynamically subscribe to a pay-as-you-go data plan of a second carrier, to which the user is not subscribed, when the user is data roaming outside of the first carrier's network. This dynamic subscribing may operate to reduce cost to the user, since the local data plan of the second carrier likely has less expensive data rates than those available during normal data roaming.