Looks like your either using
MSN Premium , or
MSN Dialup . Current pricing is $9.95/month for Premium, and $17.95 for dialup, so you should be able to call them and tell them to put you on the cheaper plan.
I'm w/ scrinch -- you want to keep your email seperate from your internet access. I use Yahoo and GMail and both work well and are free. Microsoft has a free service called Hotmail which is also good. In any case your email address will change. Ask them to forward your email for a few months, maybe they'll do it.