We use
Zoom meeting, which I like. There's a personal option which is free, but the free version limits you to 40 minutes for group (3 or more) meetings.
If you instigate the meeting your participants will get both a call-in number and a web address for participation.
https://www.zoom.us/ETA: Whichever you choose, I've been using and am very happy with Krisp (
https://krisp.ai/download.html. Krisp is an app for Macs that reduces background noise in conference calls on a number of different programs (including Skype and Zoom). Big difference in clarity.