I should have the 200 GB but it still says I only have 64 when I’m on the plan for 200.
Check -> Go to -> Settings -> your name -> iCloud -> if you see 50 GB (or 200 GB ot 2 TB) then you have an iCloud subscription.
If you have an iCloud subscription, you will receive a monthly bill from Apple, check your e-mail box.
You pay monthly for iCloud storage.
64 GB storage is the iPhone device storage.
Try to free up iPhone device storage see this Apple articles below:
If you need more space for an update on your iPhone, iPad, or iPod touch
If you need more space for an update on your iPhone, iPad, or iPod touch - Apple Support
How to check the storage on your iPhone, iPad and iPod touch
How to check the storage on your iPhone, iPad and iPod touch – Apple Support (UK)
Clear Other storage on your iPhone or iPad
Clear Other storage on your iPhone or iPad - Apple Support
Then see this Apple article: How to use iCloud on iPhone
How to use iCloud on iPhone – Apple Support (UK)