I believe since the 5 or 5S, all iPhones have been unlocked. I have used my phone in Europe using their GSM network and SIM card, on my Verizon iPhone.
In theory, it should be ok to switch over to the other network. AT&T and Verizon use different network technologies...AT&T uses GSM and Verizon uses CDMA, so you need the right antenna. New iPhones (since 5 or 5S) have both antennas.
With the new business model; no contacts, I believe the cellphone companies will be more accepting of phones purchased elsewhere.
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