If you want your household to be on the cutting edge of AI, Microsoft has a deal for you: Microsoft 365 Premium, which combines the Family plan with Copilot Pro.
At a new price of $19.99 per month, Microsoft 365 Premium sounds simple enough. Previously offered only to business users, it’s now available to consumers as well. There’s also a twist: Microsoft said it’s canceling the $20 Copilot Pro subscription entirely, which reduces the standalone value of Copilot and M365 considerably.
Essentially, Microsoft 365 Premium combines Copilot Pro with Microsoft 365. On the Office side, you’ll get access to Word, Excel, PowerPoint, OneNote, and Outlook, all with Copilot Chat built in and 1TB of storage. On the AI side, subscribers will get access to “extended” AI usage limits for GPT-5 and 40 image generation, plus the Actions, Researcher, and Analyst agents.
A Microsoft blog post compared Microsoft 365 Premium against ChatGPT Plus, making it clear where the company is feeling the heat.
Microsoft says that the same Microsoft 365 Premium subscription can be used at home or at work, where it benefits from Enterprise Data Protection in Copilot.
There’s a small catch for existing subscribers. If you upgrade, your subscription won’t carry over entirely. Instead, you’ll be “credited” with a number of days on the new Premium plan for your existing Microsoft Personal or Family subscription. You can find the details on Microsoft’s dedicated page for upgrading an existing 365 subscription.
If you choose to stay on the Microsoft Family and Personal tier, the company is adding some bonuses, including 40 image generation in Word, Excel, PowerPoint, and Copilot; unlimited use of Copilot Voice in the app; and Podcasts, Vision, and Deep Research in Copilot.