Changed from monthly to annual subscription

The most likely cause is that the subscription change or payment update has left the subscription in an inactive or unpaid state for the account that Word is using, so Word now shows “reactivate account” and goes into reduced functionality (read‑only) mode.

Follow these steps in order:

1. Confirm the subscription is active
   1. Close all Office apps.
   2. Go to the Subscriptions page at https://account.microsoft.com/services and sign in with the Microsoft account used to purchase Microsoft 365.
   3. Under the Microsoft 365 heading, confirm the status:
      • If it shows Expired or Canceled, renew or reactivate it following the renewal instructions on that page.
      • If it shows as active but billing was recently changed from monthly to annual, verify that the new plan is listed and active.
2. Check and update payment/recurring billing
   1. On the same account site, go to the Payment options page and ensure the payment method used for the new annual plan is valid and has no errors.
   2. If recurring billing was turned off or the last charge failed, turn Recurring billing back on and correct the payment method.
   3. If the subscription shows Expired and there is an option to Renew or Resubscribe, use that to bring it back to active.
3. Make sure Word is signed into the correct account
   1. Open Word.
   2. Go to File > Account.
   3. Under User Information and Product Information, confirm the email address matches the Microsoft account that has the active subscription.
   4. If it does not match, sign out of all accounts in Word, then sign back in with the correct Microsoft account.
   5. In File > Account, use any Update license or Reactivate button if shown, then complete sign‑in.
4. If the message persists
   • If the subscription page still shows Expired and there is no option to renew or resubscribe, the specific product/plan may no longer be available and a different Microsoft 365 plan (such as Microsoft 365 Personal or Family) must be purchased to restore full desktop Word functionality.
   • If the subscription is active and payment is valid but Word still shows “reactivate account,” sign out of Word again, close all Office apps, restart the computer, then sign back in and check.

If the subscription came from work or school rather than a personal purchase, an organization admin may need to check in the Microsoft 365 admin center that the user license is still active and not expired or removed.

References:

• Turn recurring billing on or off for a Microsoft subscription
• Office error "Account Notice: We've run into a problem with your Microsoft 365 subscription"
• Microsoft 365 Apps activation Subscription expired error
• A subscription notice appears when I open a Microsoft 365 application
• Reactivate your subscription in the Microsoft 365 admin center