Office 365 Home Premium — designed for families and consumers. This service also includes an additional 20 GB of SkyDrive storage and 60 minutes of Skype world minutes per month.
But without a price. There was talk years ago about Office as a service. I never liked that idea, I like to run and own the products without the gimmicky features from the provider built in. I use Office as a student (as Ballmer insisted) but I saw nothing compelling in Office 2013. The Cloud features will be wasted on a majority of the user base for a long time to come.