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Therapy can make a real difference, but cost is one of the biggest reasons people put it off. Online therapy has changed the math: subscription platforms, insurance copays and low-cost community options mean help may be more affordable than you think. Here is what online therapy costs in 2026, how it compares with in-person sessions, and how to pay less.
- In-person therapy averages about $174 per hour without insurance.
- Online subscription platforms often charge about $50 to $110 per week.
- With insurance, many people pay a copay of roughly $15 to $30 per session.
- Sliding-scale therapists, university clinics and employer programs can cut costs further.
How much does therapy cost without insurance?
Healthline, citing a 2023 Milliman report, puts the average out-of-pocket cost of in-person therapy at about $174 per one-hour session. With insurance, the average was about $23 for in-network visits and $53 out of network (Healthline).
How much does online therapy cost?
Online platforms usually work on a subscription. Healthline’s review of more than 35 services found typical prices of $50 to $110 per week, while pay-per-session platforms ranged from about $69 to $299 or more per session. With insurance, copays were usually $15 to $30 (Healthline).
For example, BetterHelp lists prices of $70 to $100 per week, billed as $260 to $400 per month, including one weekly live session and messaging with the therapist between sessions. The company says it accepts some major insurance plans, with an average copay of $23, and offers financial aid to some users (BetterHelp).
Online vs. in-person therapy: cost comparison
| Option | Typical cost | Good to know |
|---|---|---|
| In-person, no insurance | About $174 per hour | Widest choice of specialists |
| In-person, in-network insurance | About $23 per visit | Deductibles may apply first |
| Online subscription | About $50 to $110 per week | Often includes messaging between sessions |
| Online with insurance | About $15 to $30 per session | Coverage varies by state and plan |
| University training clinics | Sliding scale, sometimes very low | Supervised trainee therapists |
Sources: Healthline, BetterHelp. Prices change often; check each provider before signing up.
Does insurance cover online therapy?
Often, yes. Many plans cover video sessions with in-network therapists the same way they cover office visits. Before you start:
- Call the number on your insurance card and ask whether telehealth mental health visits are covered.
- Ask about your deductible and copay for in-network and out-of-network providers.
- Ask whether you need a referral or a diagnosis for coverage.
- If you use a platform, confirm it is in network for your specific plan and state.
You can usually pay with an HSA or FSA card as well.
6 ways to get therapy for less
- Use your Employee Assistance Program (EAP). Many employers offer a few free counseling sessions.
- Look for sliding-scale therapists who adjust fees based on income.
- Try university training clinics, where fees can be very low (Healthline).
- Check community mental health centers and state-funded services.
- Join a support group through a hospital or community center, often free.
- Ask platforms about financial aid or introductory discounts.
Healthy habits can support your mental health between sessions too. Read about whether yoga helps anxiety and how rest helps your mind.
If you are in crisis, don’t wait for an appointment. In the US and Canada, call or text 988 to reach a crisis line, or call 911 in an emergency.
Frequently asked questions
Is online therapy as effective as in-person therapy?
For many common concerns such as anxiety and depression, video therapy can work well. Some situations, including severe symptoms or crises, may need in-person or more intensive care.
Why are some platforms billed weekly?
Subscriptions bundle a weekly live session with messaging and other tools, so the price is shown per week even if you are billed monthly.
Can I use insurance on a subscription platform?
Some platforms accept insurance, but availability depends on your plan, state and therapist. Always confirm before you start.
How many sessions will I need?
It varies. Some people feel better after a few months; others benefit from longer support. Ask your therapist about goals and a rough timeline at your first session.
Sources
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