Hi, I'm John! I will help you with this.
Yes, Microsoft Teams does come with Microsoft 365 Personal, but only the personal version of Teams (for home or individual use).
The version included lets you chat, make calls, and join meetings, but it doesn’t have the business features that come with Microsoft 365 Business or Enterprise plans.
So, if you’re using Microsoft 365 Personal on your Mac, you already have access to Teams without needing a separate $9.99/month Teams subscription, unless you specifically need the business-grade version.
I really hope this information is helpful! Let me know if you have any further questions or concerns.
Regards,
John J.D.