I think you've got two separate questions.
Hubitat does include cloud access in the sense that dashboards are accessible via the cloud without the need for a subscription. Many people find that's all they need. However, if you want the full functionality of the UI, you'll need some additional form of access. You can set this up yourself for free using any number of VPN solutions or if you're lazy like me you can subscribe to HE's remote access service.
The Alexa skill should work without any subscription. Take a look at this post...
