Hi Jeanne Wu
Thank you for sharing your concerns in detail.
Regarding the 60 minutes of monthly Skype calling, Microsoft has already publicly announced that Skype is being retired, along with related consumer calling benefits. You can find the official announcement here: Skype is retiring in May 2025: What you need to know
As part of this transition, Microsoft is encouraging customers to move to Microsoft Teams (Free), which offers many of the same core features previously available in Skype, including calling capabilities.
In addition, when you use Teams Free, or Teams included with your Microsoft 365 Personal or Family subscription, you will continue to receive benefits that are outlined here: Learn more about subscriptions for Microsoft Teams Free
If you already have an active Microsoft 365 subscription, the Teams app included in that subscription automatically applies those Teams-related benefits, so you are not losing access to communication features; they are being transitioned to a newer platform.
I hope this clarification helps explain the change and the available alternatives. Thank you so much for your patience and understanding.