I think the option for 12 month will appear once ordering begins because it's shows starting at before price. I'm hoping that means there will be more options because I do the yearly upgrade option.
I was worried about this also. It is such a panic when preorders go live, that I like to do my research before, and know exactly what I am doing when it is time.
The 24 month option is the Every Year. Technically you have 24 months of installment plans. You are just able to upgrade at 12 months with a trade in.
From the AT&T website:
AT&T Next Every Year: 24 monthly installments; eligible for upgrade with eligible trade-in when 50% of the full retail price is paid off (approximately 12 monthly installment payments). A 30% down payment may be required.
Its not that big of a deal if the options isnt there now. When the app goes live the option will be there and it will just require one click....Not that big of an adjustment.