Family members on a Microsoft 365 Family or Microsoft 365 Premium plan can use the Microsoft 365 apps and shared subscription benefits, but they do not get the premium Copilot/AI features in Word, Excel, PowerPoint, Outlook, or Designer.
The AI benefits are available only to the subscription owner and cannot be shared with other members on the family plan. That includes Copilot features in the desktop apps. With Microsoft 365 Premium, the subscription owner also gets additional advanced Copilot features such as Copilot Actions.
What family members do get:
- Access to Microsoft 365 apps through the shared subscription
- Their own use of the apps and storage benefits included with the family subscription
What family members do not get:
- Copilot in Word, Excel, PowerPoint, Outlook, and Designer
- Premium-only AI features
- The highest Copilot usage limits reserved for the subscription owner
If each family member needs Copilot features for themselves, they would need their own eligible subscription such as Microsoft 365 Personal or Microsoft 365 Premium.