If you find a professional or a small business-person who uses the plan, you can ask them to add you to it. Speaking of the Microsoft 365 Home plan, you can ask around to see if you know anyone that already uses it.
You can find Windows laptops that cost less than $500 that come bundled with a free Office 365 Home plan that can be shared with up to 6 users. Yes, this is not the most cost-effective option, but if you’re shifting to working from home, or if you’re in the market for a new PC, you can look for ones that come with a Microsoft Office 365 subscription.