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Our 10 Picks of Most Affordable Online Therapy Services

See which companies made the list of most affordable online therapy.

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Wishing you could start therapy but not sure how it will fit into your budget? Online therapy is an excellent option. You may find teletherapy cheaper than in-person care, primarily because these therapists often have fewer overhead costs to cover. Plus, some online therapy platforms try to save you money by avoiding the costs of working with insurance companies. But no matter how they do it, affordability is essential to making mental healthcare accessible. By providing sliding scale or low rates, accepting insurance, offering care from trainee therapists at reduced prices, or providing discounted appointment subscriptions or bundles, many online therapy companies are doing their part to reduce the financial barriers to mental healthcare. Whether you’re seeking help for yourself, your relationship, your family, or your teen, there are cost-effective options out there.

The best affordable online therapy aims to make life easier for the budget-conscious therapy seeker. Fees should be lower than average without compromising quality. If a session feels rushed or the therapist’s response seems to be canned, the lower rate may not be worth it. Finding an affordable therapist means carefully weighing how much you can reasonably pay with what you’re getting out of the experience. This list was created after surveying 105 users at 55 online therapy platforms and reviewing prices, insurance coverage, value for money, and other features to help you find the most affordable online therapy services to fit your needs.

10 Most Affordable Online Therapy of 2023

When choosing an online therapy provider, we recommend that you read the company’s privacy guidelines before you sign up to better understand whether it is HIPAA-compliant and whether it shares any private information with third parties. There have been some concerns raised by the Federal Trade Commission (FTC) and several government officials about what user health information online therapy providers collect and what they do with any information they collect.

Our 10 Picks of Most Affordable Online Therapy Services
Our 10 Picks of Most Affordable Online Therapy Services

Best Without Insurance : LiveHealth Online

Live Health Online Logo

Live Health Online

Key Specs  
  • Price: $80–$95 per therapy session, $175 for an initial psychiatry visit and $75 per follow-up
  • Insurance Accepted?: Yes
  • Types of Therapy: Individual, psychiatry/medication management
Why We Chose It

LiveHealth Online has some of the lowest out-of-pocket rates in the industry: Its 45-minute sessions start at $80 without insurance, and there are no sign-up or subscription fees.

Pros & Cons 
  • Offers session rates as low as $80

  • No sign-up or subscription fees

  • Not required to buy large session bundles

  • Limited to video therapy

  • No couples, kids, or family therapy

  • Minimal therapist communication between sessions


LiveHealth Online is an online health platform offering therapy and psychiatry services. It’s equipped to help individuals with a variety of needs, from reducing anxiety to healing PTSD to managing depression with or without medication. It’s simple and straightforward to use — there are no subscription or sign-up fees, and you can pay as you go. 

For those without insurance, LiveHealth Online is a great deal. At $80 to $95 per 45-minute session, it offers some of the lowest rates in the industry, and you get the low session fee even if you pay as you go. In contrast, some competitors offer comparable rates, but only if you buy a large bundle, such as half a year or a year’s worth of sessions. In other cases, low rates mean shorter sessions. At LiveHealth Online, you can count on a low price for the full 45 minutes without having to commit to sessions at a platform you may or may not get value from. 

Sessions are held over live video, and you won’t have messaging therapy outside of sessions, but this is common practice for most therapists. It also features Spanish-speaking clinicians.

Plans & Pricing 

This company accepts a variety of insurance carriers. Out-of-pocket rates are as follows:

  • $80 to $95 per 45-minute session
  • $175 for an initial psychiatry visit and $75 per follow-up
User Satisfaction  

The user survey indicated that users are largely satisfied with LiveHealth Online in many ways, including affordability and value. 

  • 93 percent rated its value for money positively, compared to a 78 percent average
  • 70 percent said it was affordable or very affordable, compared to a 54 percent average
  • 91 percent rated their therapist qualifications positively, compared to an 84 percent average

Testers who signed up for LiveHealth Online had great things to say: “My therapist was easy to talk to and clearly had experience in delivering online care,” she said. “From a technical standpoint, the format was more user-friendly and consistent than that of some of [its] competitors.” 

Best Directory : Open Path

Key Specs
  • Price: $40–$70
  • Insurance Accepted?: No
  • Types of Therapy: Individuals, couples, family 
Why We Chose It 

All therapists at Open Path Collective charge the same low rates, so as long as you can pay $40 to $70 per individual session, you are guaranteed to find a therapist you can afford.

Pros & Cons 
  • All therapists charge the same low rate

  • Offers affordable couples and family therapy

  • Is driven by a commitment to price inclusivity

  • There’s a one-time $65 sign-up fee

  • Some therapists are inexperienced

  • Doesn’t accept insurance


Open Path Collective is a mission-driven therapy directory that places inclusivity, including price inclusivity, as one of its most important values. All providers offer the same low rate: $40 to $70 for individual therapy, and $40 to $80 per family or couples’ session. You can also get care from student interns for $30 per session.

Having set, low rates makes the process of finding a therapist much easier. Finding a practitioner you connect with and who has the specializations you want is hard enough. Add financial constraints to that and it can make finding the right fit frustrating and tedious. But if you know you can afford Open Path’s rates, you’ve cut down on one important criterion, making the process faster and easier.

Open Path Collective is a directory, so you’ll find practitioners who offer varying formats like in-person, video, and phone therapy. They each set their own policies. You will find some inexperienced therapists, though, including recently licensed or pre-licensed (supervised) therapists. There are even student interns if you’re open to it, which may be hit or miss. While not ideal, working with a student therapist could still be beneficial if you find the right fit.

Plans & Pricing

To use Open Path, you’ll need to pay a one-time fee of $65 for a lifetime membership. It doesn’t accept insurance because it’s designed for those without it. Per-session rates are as follows:

  • Individual therapy: $40 to $70
  • Couples or family therapy: $40 to $80
  • Therapy with a student intern: $30
User Satisfaction

Users found Open Path to be affordable without sacrificing quality:

  • 77 percent rated the number of therapists who offer flexible payment options as good or very good, compared to a 76 percent average
  • 83 percent said they’d still be seeing the same therapist in six months, compared to a 74 percent average
  • 83 percent said they would start their search for a therapist there again if needed, compared to an 80 percent average

“Open Path is specifically designed for people who are uninsured or underinsured and for whom the cost of mental health services is a serious barrier to care,” explains Hannah Owens, a licensed social worker and subject matter expert. “No other company we reviewed — including both online therapy platforms and online therapy directories — offers such low session prices. In addition, because of the wide range of specialties and expertise of the providers listed on Open Path, it performed extremely well when we tested 37 different scenarios in which someone might be looking for therapy across 18 ZIP codes. There was an appropriate provider for almost every scenario, making Open Path valuable not just as a low-cost option, but also for meeting a wide range of client needs.”

Best for Psychiatry/Medication Management : Talkiatry



Key Specs
  • Price: Depends on insurance
  • Insurance Accepted?: Yes
  • Types of Therapy: Individual psychiatry/medication management and psychiatry/therapy
Why We Chose It 

Talkiatry offers exceptional value. It has high user satisfaction, accepts most major insurance carriers, and offers both psychiatry services and a psychiatry/therapy combo. 

Pros & Cons
  • Accepts most insurance 

  • High user satisfaction

  • Offers psychiatry and psychiatry/therapy combo

  • You can’t pay out-of-pocket

  • You won’t know pricing until you sign up

  • Can’t use without insurance

  • No stand-alone therapy


Talkiatry is an online psychiatry platform that offers stand-alone psychiatry/medication management and a combination of psychiatry and therapy. It’s suited for those needing medications: It doesn’t offer stand-alone therapy. Also, Talkiatry won’t take you on as a patient if it doesn’t accept your insurance. This helps ensure those who get treatment from this company find it affordable.

Its board-certified practitioners are committed to providing high-level service, making it a great value for those who have insurance coverage. Some online psychiatry services can feel like merely a medication dispensary. But Talkiatry offers a more elevated experience. In our user survey, 58 percent said they liked how their prescriber really took their time with them (compared to a 53 percent average), 44 percent said they never made them feel rushed (compared to a 32 percent average), and 35 percent said their prescriber was empathetic and caring (compared to a 28 percent average).

If you need therapy in addition to psychiatry services, your prescriber will make a referral, and you’ll be able to get both at Talkiatry. Psychiatrists use varied approaches like lifestyle intervention and eye movement desensitization and reprocessing (EMDR). Some speak multiple languages.

Plans & Pricing 

Talkiatry accepts many major insurance plans, and will only take you on as a patient if it accepts yours. Fees for sessions and medication will vary based on your coverage.

User Satisfaction

Our user survey indicates that users find Talkiatry services to be both affordable and effective:

  • 92 percent rated its value for money positively overall, compared to a 78 percent average
  • 77 percent found it affordable or very affordable, compared to a 54 percent average
  • 95 percent rated it positively overall, compared to an 84 percent on time average

A Talkiatry tester noted that “my appointment began on time and my psychiatrist was very welcoming and created an environment that felt very conversational. ... the initial appointment was sixty minutes long — double how long initial appointments at other companies I’d tried before.”

Best for Families : Amwell



Key Specs
  • Price: $109–$279 per session
  • Insurance Accepted?: Yes
  • Types of Therapy: Individual, couples, kids, teens, family, psychiatry/medication management
Why We Chose It

Amwell offers family, kids, and couples therapy at a price our users found affordable. It also accepts insurance and has a pay-as-you-go system.

Pros & Cons
  • Has affordable family therapists

  • Accepts insurance

  • You’re not tied into a subscription

  • Quality can vary across providers

  • Sessions automatically end after 45 minutes

  • No sliding scale fees when paying out-of-pocket


Amwell is a large online health platform that offers family, couples, kids, and individual therapy at reasonable out-of-pocket rates, plus it accepts most major insurance plans. There’s no subscription involved. You won’t need to prepay for sessions or pay a recurring fee, and you can switch therapists easily if needed. This makes it an affordable, flexible way to get a feel for what works best for the whole family.

At Amwell, you’ll find providers with a variety of backgrounds who can help improve family dynamics. This might look like practicing techniques to communicate without hostility, examining power dynamics, and establishing boundaries. All sessions are 45 minutes long and held over live video. Amwell providers are trained in a variety of techniques, including common ones like cognitive behavioral therapy  (CBT), which helps people identify and replace negative thought patterns, and emotionally focused therapy (EFT), which is often used in family therapy and places emotional awareness and processing front and center in the healing process.

Plans & Pricing

Amwell isn’t subscription based — it’s a pay-as-you-go system. Out-of-pocket costs vary based on the therapist's education levels and the type of session:

  • Therapist with master’s degree: $109 per session
  • Therapist with doctorate: $129 per session
  • Initial psychiatric visit: $279 
  • Follow-up psychiatric sessions: $109 per session

It accepts a wide range of insurance plans.

User Satisfaction 

Amwell performed well both in terms of affordability and in quality of care:

  • 66 percent said it was affordable or very affordable, compared to a 54 percent average
  • 88 percent rated it positively overall, compared to an 84 percent average
  • 91 percent rated their therapist’s qualifications positively, compared to an 84 percent average 

One Amwell tester, who signed up for couples therapy, noted: “Our couples therapist was absolutely wonderful. ... We felt very heard and validated by her. She was solution-focused, providing us with ideas and tools we could use to enhance our communication.” 

Best for Group Therapy : Mindful Care

Mindful Care

Mindful Care

Key Specs
  • Price: Self-pay $35 per group therapy session; $50 for 20-minute or $100 for 40-minute individual therapy session; $175 initial psychiatry evaluation and $75 follow-ups; $49 per month substance use treatment program 
  • Insurance Accepted?: Yes
  • Types of Therapy: Group, individual, psychiatry/medication management
Why We Chose It 

Mindful Care offers affordable group therapy to treat a variety of common mental health issues like trauma, bipolar disorder, substance use recovery, and anxiety.

Pros & Cons 
  • Group sessions are $35 each without insurance 

  • Has a full nine therapy groups

  • Groups are therapist-led

  • Primarily uses one therapy modality (CBT)

  • No kids' or teen therapy

  • Only available in 6 states


Mindful Care is an online platform offering group and individual therapy plus psychiatry and medication management at accessible prices. It’s convenient and flexible, offering a choice of full-length individual sessions, short “microtherapy” (20-minute) individual sessions, and nine “MindFit” therapy groups that help with common mental health conditions like PTSD and substance use.

One of the appeals of group therapy is that it’s typically cheaper than individual therapy. Yet It’s not always easy to find good, affordable group therapy online. Many budget options function more as support groups with therapist facilitators or even peer support groups with no therapist present. In certain cases, such groups may be all you need, but other situations require the guidance and expertise of a licensed therapist.

MindFit groups are legitimate therapy groups (based on American Psychological Association standards) with a therapist facilitator who guides participants through evidence-based modalities like CBT and dialectical behavior therapy (DBT), which is designed to help those who struggle with overwhelming emotions. Having a therapist guiding the group means you’ll learn valuable, transformational tools from a professional while still reaping the benefits of peer support. 

Plans & Pricing 

Mindful Care accepts most insurance providers, but self-pay for group therapy is $35 per session. Groups meet once a week for an hour between 9 a.m. and 7 p.m. At present, MindFit Groups consist of: 

  • CALM (for anxiety)
  • RISE (for navigating challenging times)
  • HOPE (for depression)
  • SHINE (for the LGBTQIA+ community)
  • CONNECT (for relationships)
  • RECOVER (for substance use)
  • WISE (for handling tough emotions)
  • BALANCE (for bipolar disorder)
  • SAFE (for those with trauma)

Additional services are priced as follows:

  • Psychiatry: $175 for an initial evaluation; $75 per 20-minute follow-up
  • Individual therapy: $50 for 20-minute sessions; $100 for 40-minute sessions
  • Addiction and substance use treatment: $49 per month; includes weekly recovery support, monitoring, group and/or individual therapy, and medication management
User Satisfaction

Mindful Care has solid ratings among users, who found quality of care to be especially positive:

  • 95 percent rated their therapist qualifications positively, compared to an 84 percent average
  • 83 percent would recommend it to a friend, compared to a 71 percent average
  • 92 percent rated it generally positive, compared to an 84 percent average

One tester said of their group therapy experience at Mindful Care: “I appreciated how there was an opportunity for each participant to check in and give an update on how they were feeling in that present moment at the beginning of each Zoom session. Other participants then had a chance to validate their feelings or share similar experiences.”.

Best for Premarital Counseling : Ours

Ours Online Therapy

Ours Online Therapy

Key Specs
  • Price: $400–$500 for six sessions
  • Insurance Accepted?: No
  • Types of Therapy: Couples therapy
Why We Chose It 

Ours is a refreshing, modern, and above all, affordable approach to couples counseling. It features a combination of live sessions and four self-guided (via software) ones based on the Gottman Method and CBT.

Pros & Cons
  • Rate as low as $400 for six sessions

  • Innovative and practical format

  • Draws from evidence-based modalities

  • Only two sessions have a therapist present

  • May not be sufficient for deeper emotional issues

  • Cost is higher if you do a trial period


It’s no secret that couples therapy is expensive. There’s typically less insurance coverage for it, and session fees can be steep. Ours is helping to bridge the gap for those who want to proactively work on their relationship, but don’t have hundreds of dollars to spare each week.

With this service, $500 gets you two live sessions with a guide (a couples therapist) and four self-guided sessions to complete together, which consist of presentations, games, exercises, and text boxes where you can answer questions. Your guide will receive those answers and will be available to discuss them between sessions via email.

The program is based on CBT and the Gottman Method, one of the most highly researched couples’ counseling techniques. It involves addressing communication, creating shared meaning, and finding alternatives to criticism and contempt. Ours isn’t just for engaged couples: It’s appropriate for couples at any stage in a relationship. However, its focus on evidence-based tools, practicality, efficiency, and fun make it great for those preparing for marriage. 

Plans & Pricing 

The Ours experience will cost you $500 for a four-week program consisting of two live therapist-guided sessions and four self-guided ones.

You can test things out for $50, which gets you the first two sessions. However, if you continue, you’ll need to pay $450, making it a $500 program.

Ours doesn’t accept insurance, but it’s rare for insurance to pay for couples therapy. The company does offer a money-back guarantee, however.

User Satisfaction

Users found Ours was sufficient at meeting their needs, especially for the price:

  • 79 percent rated its value for money positively, compared to a 78 percent average
  • 78 percent said its providers met all or most of their needs, compared to a 77 percent average
  • 86 percent said it was better than services used on the past, which is exactly average

A tester noted: “From the simple intake form that thoughtfully inquired into my relationship to meeting my guide to completing the Loveware session, I felt seen by this company and confident that my guide would still be at Ours if we decided to continue after the four-week program.” 

Best for Couples Counseling : ReGain



Key Specs
  • Price: $240–$360+ per month 
  • Insurance Accepted?: No
  • Types of Therapy: Couples, individual
Why We Chose It

ReGain offers 12,000 couples therapists across the country so you can find the right match and get the most for your money. 

Pros & Cons
  • Price includes both messaging and live sessions

  • Flexible platform includes video, phone, and text

  • Designed specifically for relationship therapy

  • Doesn’t accept insurance

  • Price can vary based on availability and demand

  • You don’t pick your initial therapist


ReGain is a platform that’s designed specifically for relationships. Couples can choose from a pool of over 12,000 therapists across the country who offer live video, phone, or chat sessions, plus messaging between sessions, which can help you make the most of your money. To get started, you’ll fill out a questionnaire and get matched with a therapist. And while you can’t pick your initial therapist, you can easily switch and pick a new provider if you need to. 

For couples who want affordable, ongoing couples therapy that goes deep, ReGain is an excellent choice. With such a large pool of providers, you’ll have practitioners with a wide variety of skills, experience, and specialties to choose from. Therapists use tools like psychodynamic therapy (which explores the deeper reasons for thoughts, feelings, and behaviors) and trauma-focused therapy (which can address how past experiences are influencing the present). Finding the right match can make a big difference in getting value from therapy.

ReGain doesn’t have a set pricing structure. Cost varies by factors like availability, demand, and location. This might frustrate some, but keep in mind that even at $360 per month ($90 per session plus messaging), it’s more affordable than many other options. 

Plans & Pricing 

ReGain costs between $240 and $360+ per month, depending on location, availability, and demand. This gets you four live sessions plus messaging between sessions. It doesn’t accept insurance.

User Satisfaction

Users found ReGain to be a great resource for finding experienced, effective counseling at an affordable price:

  • 80 percent rated its value for money positively, compared to a 78 percent average
  • 88 percent rated their therapist’s qualifications positively, compared to an 84 percent average
  • 49 percent said they would still be seeing the same therapist in six months, compared to a 42 percent average

One tester said: “The therapist we ended up meeting with was professional, listened to us, and was able to meet our needs. She worked with us to create goals based on our experiences and provided us with worksheets and activities that fit in with those needs.”

Best for Chat Messaging : Talkspace



Key Specs
  • Price: $276–$516 monthly for therapy; $249 psychiatric evaluation, $125 follow-up appointments
  • Insurance Accepted?: Yes
  • Types of Therapy: Couples, individual, teen, medication management, psychiatry
Why We Chose It

Talkspace offers affordable chat messaging and accepts insurance. It also offers a few different tiers and price points, so you can adjust your plan to match your budget.

Pros & Cons
  • Starts at $69 per week without insurance

  • Offers multiple tiers and price points

  • Accepts insurance

  • Messaging/live session combo plan is expensive

  • Text therapy alone isn’t for everyone

  • You can’t pick your therapist


Talkspace is one of the oldest and most well-known online therapy platforms. It has a huge network of clinicians across the country who treat individuals, couples, and teens. It’s equipped to serve people with diverse needs and preferences and who respond to different modalities. Overall, it’s a solid platform with a broad appeal.

Its most cost-effective plan is messaging only. This starts at $69 per week without insurance and gets you unlimited, 24/7 messaging with guaranteed therapist responses five days a week. While messaging therapy isn’t sufficient to treat complex issues, it can be enough to support you until you can afford live sessions. Plus, if you’re someone who has social anxiety or who is unable to have privacy in a live session, messaging therapy might actually be a better choice for you.

Plans with live sessions cost more, and without insurance, they can be pretty pricey. In terms of affordability, Talkspace works best with the messaging plan. That said, you can always start there and upgrade your plan later or try the higher tiers and downgrade when money gets tight.

Plans & Pricing 

You have your pick of three plans with Talkspace:

  • Messaging therapy: Includes unlimited messaging with guaranteed therapist responses five days a week and starts at $69 per week
  • Live therapy: Includes four live therapy sessions a month via live chat, phone, or video call and starts at $99 per week
  • Live + messaging therapy: Includes both messaging and four live sessions and starts at $129 per week

Psychiatry/medication management is an add-on service you sign up for separately. The initial 20- to 90-minute evaluation costs $249. Follow-up appointments are $125 each. 

Talkspace accepts a variety of insurance plans.

User Satisfaction

Users found Talkspace to provide quality care overall and were largely satisfied with the services provided:

  • 90 percent rated it positively overall, compared to an 84 percent average
  • 92 percent rated their therapist’s qualifications positively, compared to an 84 percent average
  • 82 percent would recommend it to a friend, compared to a 71 percent average

A tester noted that: “Talkspace stands out among its competitors in providing personalized and affordable talk therapy and psychiatry services.”

Best With Insurance : Teladoc



Key Specs
  • Price: $99 per therapy session, $209 per initial psychiatry session, and $109 for follow-up psychiatry sessions
  • Insurance Accepted?: Yes
  • Types of Therapy: Individual, couples, teen, psychiatry, medication management
Why We Chose It

Users surveyed found that Teladoc accepted their insurance at a high rate and was a great value for money.

Pros & Cons
  • Accepts a wide variety of insurance carriers

  • Offers psychiatry services

  • Has high user satisfaction

  • Expensive without insurance

  • No messaging between sessions

  • Not designed specifically for therapy


Teladoc is a telemedicine platform that offers mental health services in addition to primary care, dermatology, pediatrics, nutrition counseling, and more. It makes taking care of yourself and your family easier by offering a variety of virtual services and accepting a large range of insurance providers to keep things accessible.

Whether you need psychiatry and medication management services, couples counseling, or therapy for your teen, Teladoc delivers. Therapists are trained in a variety of modalities, such as acceptance and commitment therapy (ACT), which emphasizes responding to challenges more functionally, and accelerated resolution therapy (ART), which is a rapid technique for healing trauma. Sessions are held over the phone or live video and last a full hour, which is longer than at many competitors. 

In our survey, 82 percent of users said Teladoc accepted their insurance, which is more than any other therapy company reviewed. It’s rare to have such high rates because, for a lot of reasons, the majority of therapists don’t accept insurance. 

Plans & Pricing 

As noted, Teladoc is best for those with insurance. However, if you pay out of pocket, you’ll still have reasonable rates:

  • $99 per therapy session
  • $299 for initial psychiatry consultation; $119 per session for follow-ups
User Satisfaction

Teladoc was one of our highest-performing platforms overall in the user satisfaction survey:

  • 97 percent rated it positively overall, the highest rating of all companies surveyed
  • 87 percent rated its value for money positively, compared to a 78 percent average
  • 82 percent of users with insurance said Teladoc accepted it, versus a 54 percent average

A tester noted: “While the therapists I tried were different from one another in their individual styles and approaches, they both felt qualified, warm, caring, and attentive to my needs. They were available at times that suited my busy schedule, responded to my messages quickly, and worked to accommodate my needs.”

Best for Inclusivity : Inclusive Therapists

Key Specs
  • Price: Varies according to provider
  • Insurance Accepted?: Varies according to provider
  • Types of Therapy: Couples, family, kids', teen, group, medication management
Why We Chose It

Inclusive Therapists is a directory that features therapists who offer low and sliding scale rates and accept insurance. It also features extensive search filters for cultural inclusivity.

Pros & Cons
  • Lists therapists with sliding scale rates

  • Offers therapists who accept insurance

  • Features extensive search filters, including cost and cultural, LGBTQIA, and disability sensitivity

  • Availability of affordable therapists varies

  • Includes therapists who don’t offer low rates

  • Includes therapists who don’t accept insurance


Inclusive Therapists is a directory that offers culturally inclusive practitioners who treat adults, kids, families, couples, and groups, and both therapy and psychiatry/medication management. Therapy seekers have all sorts of search filters to use when looking for a therapist, including sexual identity, cultural knowledge, immigration background, therapeutic approaches, and much more, which makes finding someone you’re comfortable with easier. You can even search by the therapist’s racial, cultural, religious, and gender identity or by focus. The list of focuses includes disability justice, fat liberation, neurodivergence, racial justice, trans justice, polyamorous-positive, gender-affirming care, and indigenous healing. 

This directory has a range of financial search options too. You can search for clinicians who offer sliding scale rates and select the dollar range you’re looking for. It’s also easy to search by the insurance you have. This, combined with the cultural inclusivity aspect, makes it an accessible option for budget-minded therapy-goers seeking a therapist who understands them — because a therapist who isn’t sensitive to your culture or identity may be worse than no therapist at all.

Therapy format, length, and frequency will depend on the provider you choose. As a directory, its function is to help you find a practitioner. Once you’ve connected with them, you’ll handle all logistical arrangements with them directly. 

Plans & Pricing 

Since Inclusive Therapists is a directory, each provider will have their own plans, policies, and rates. To find affordable therapists, use the Sliding-Scale/Low-Cost Options or Insurance filters. You can narrow the sliding scale options down to exact amounts using the additional search filters.

User Satisfaction

User reviews indicate that Inclusive Therapists is a solid directory:

  • 79 percent said they were satisfied with the number of therapists who offered payment options like sliding scale and low rates, compared to a 76 percent average
  • 81 percent were satisfied or very satisfied with the therapist options, versus an 80 percent average
  • 73 percent said it was better than services used in the past, compared to a 70 percent average

One tester noted: “Based on my own experience as a Black woman who was once a therapy novice trying to find a biracial Black clinician, I see the value in this directory. Having a directory that allowed me to narrow my search to the very specific needs I had at that time would have saved me hours and minimized the stress I was already experiencing.”

Final Verdict

If you don’t have insurance, LiveHealth Online is an excellent choice. Starting at $80 per session, it offers one of the lowest rates available among the companies surveyed. Plus, you pay per session and the low cost remains the same even if you buy one at a time. This is in contrast to companies that offer comparably affordable prices but only when you purchase sessions in bulk. It also accepts insurance.

If you’re on a very strict budget, the directory Open Path Collective might be your best option. All of its therapists have the same fees of between $40 to $70 per session for individual therapy and $40 to $80 per session for couples or family therapy. If you can afford those rates, you can afford a practitioner on Open Path. The trade-off is that many practitioners are recently licensed and less experienced. Keep this in mind when searching here.

Compare the Most Affordable Online Therapy

 Company  Price  Insurance Accepted?  Types of Therapy
LiveHealth Online
Best Without Insurance
$80–$95 per session Yes Individual, psychiatry/medication management
Open Path Collective
Best Directory  
$40–$70 per session  No  Individual, couples, family 
Best for Psychiatry/Medication Management 
Depends on insurance  Yes  Individual psychiatry/medication management and psychiatry/therapy combo 
Best for Families 
$109 to $279 per therapy session  Yes  Individual, couples, kids, teens, family, psychiatry/medication management
Mindful Care
Best for Group Therapy 
$35 per group therapy session; $50 for 20-min or $100 for 40-min individual therapy session; $175 initial psychiatry eval & $75 follow-ups; $49/month substance use treatment program  Yes  Group, individual, psychiatry/medication management 
Best for Premarital Counseling 
$400–$500 for 6 sessions  No  Couples
Best for Couples Counseling 
$240–$360+ per month  No Couples
Best for Chat Messaging 
$276–$516/month therapy; $249 psychiatry eval, $125 follow-ups  Yes Couples, individual, teen, psychiatry/medication management
Best With Insurance 
$99 per therapy session  Yes  Individual, couples, teen, psychiatry/medication management
Inclusive Therapists
Most Inclusive  
Varies according to provider  Varies according to provider Couples, family, group, kids, teens, medication management

Guide to Choosing the Best Affordable Online Therapy

Who Would Benefit From Attending Online Therapy? 

Whether in person or online, therapy can change lives and improve quality of life for people with a variety of issues. Study after study shows how psychotherapy and its various modalities can help in crucial ways, including reducing suicide risk, supporting recovery from trauma, and improving marital relationships, among many other issues.

Online therapy is particularly great for people living in rural areas, where there are therapy deserts (a shortage of practitioners close by), who can’t afford transportation or don't have transportation, who have busy schedules, and for parents. You can save a significant amount of time, money, and energy, by going to therapy from home. 

Is Online Therapy More Affordable Than In-Person Therapy? 

Online therapy is typically more affordable than in-person therapy. According to a Verywell Mind Cost of Therapy survey, people spend an average of $179 per month on therapy, and this is with support: 71 percent said their insurance covered some of the costs, and 36 percent were getting help from an employee assistance program (EAP). Overall, 62 percent of users surveyed said they were paying at least some out-of-pocket costs for therapy. 

Online therapy tends to be more affordable because it reduces the overhead costs therapists have to pay, which can jack up prices. As a result, online therapists are more likely to offer low or sliding-scale rates

“Depending on the market, rent can take up a substantial percentage of overall income,” says Nic Hardy, Ph.D., a licensed clinical social worker. “This cost is levied on the client, which makes per-session fees higher. Plus, lease agreements are normally multi-year. This creates a fixed expense that must be accounted for, despite the volume of clients seen.”

How Do I Assess an Online Therapy Company’s Value for Money?

“When it comes to online therapy companies, cheaper is not always better,” says Amy Marschall, Psy.D. “Be careful and check the privacy policy — recently BetterHelp received a hefty fine because they were illegally selling client data, which is probably why they've been able to market themselves as the ‘most affordable’ option for years. If you are looking for someone who specializes in a diagnosis or symptom, look into the providers' training and what they did to earn the title of ‘specialist.’ See if there are other resources like self-guided journals, mindfulness, et cetera. These can all speak to the value you're paying for.”

Comparing Affordable Online Therapy Services

There are various factors to consider when choosing which online counseling service is best for your needs. These options include:

  • Price: If you have insurance, your first step should be to check your coverage and seek out a platform that accepts your carrier. Keep in mind that it’s not common for insurance to cover couples, family, or group therapy, but you should reach out to your insurance company to see if it will cover these sessions if certain criteria are met, such as an official diagnosis. If you don’t have insurance, do some price comparison and look out for sliding scale and low rates. Check the fine print to find out about membership fees, automatic subscriptions that require canceling, or other additional costs. 
  • Topic: Most therapists have a few specialties. To get the most for your money, seek out someone whose experience, background, and specialties match what you need. Some therapists have additional training in topics like trauma recovery, sex therapy, mood disorders, and so on. This may involve additional certifications and training, which may be reflected in session fees.
  • Scheduling: If you’re watching your budget, a pay-as-you-go system can help you avoid buying sessions you no longer want or need. This is especially important when you’re trying a new therapist. Otherwise, it’s important that you find a counselor who makes it easy to schedule, preferably at the same time each week. Having continuity can accelerate the healing process and bring you more value.
  • Location: Therapists can only provide services to people in the states they’re licensed in. When assessing a new platform, check first to see which states counselors can take patients in. It’s disappointing to find a promising potential therapist only to find they’re not available because of location. If you find that only one or a few can treat people in your state, confirm that they’re accepting new patients.
  • Method of counseling: Online therapy typically involves live video, phone, or text sessions and sometimes messaging in between sessions. Often, subscription-based services offer a combination of these. Messaging and live text therapy are appropriate for those with social anxiety or who have no way to get privacy during a session. They’re also less expensive. Live video and audio tend to offer a more in-depth and effective experience but at a higher price.
  • Ease of switching therapists: Therapy works best when you have a provider who has the experience you need and who you feel a sense of safety and connection with. This isn’t always achievable the first time around. Before signing up for any online therapy service, whether subscription-based or not, make sure it’s easy to switch therapists. It’s often best if you can choose the therapist.

What If I'm Having Thoughts of Harming Myself?

Online therapy isn’t for emergency mental health situations. Thoughts of suicide or self-harm warrant more immediate action. 

If you’re feeling suicidal or are considering self-harm, call or text 988 to reach the Suicide & Crisis Lifelife 24 hours a day, 7 days a week. 

You will chat with people trained to provide support to those experiencing suicidality. The police will not be called unless safety measures cannot be agreed on with the caller. The Suicide & Crisis Lifelife is aware that involving emergency contacts can lead to traumatic situations for some individuals, which is why it is the last resort. 

For the hearing impaired, dial 711 before 988 or use your preferred relay service before dialing in.

Frequently Asked Questions

  • What Are the Benefits of Online Therapy?

    Online therapy provides many of the benefits of in-person therapy, with the added benefit of being more convenient and often more affordable. Fees are often lower than in-person therapy. Obtaining therapy online means less transport time and often fewer costs, especially secondary costs like hiring childcare or elder care and transportation (especially if living in rural areas). If you live in a rural area with a therapist shortage or have no transportation, online therapy can be a lifesaver.

  • What Is the Price Range for Online Therapy?

    Online therapy tends to be cheaper than in-person therapy, but there’s still a good amount of price variation. On the lower end of the spectrum are companies like Open Path Collective, which costs $40 to $70 per session, and LiveHealth Online, which charges $80 and up for a 45-minute session. Mid-range options can cost around $100 per session. However, other online therapy companies, such as Octave (which was not included in this list of affordable providers), charge $170 to $250 per session. In other words, online doesn’t always equal cheaper, but conversely, cheaper doesn’t always mean more cost-effective or more value for money. 

  • Is Online Therapy Covered By Insurance?

    Coverage for online therapy has been growing since 2020. Still, it’s far from enough. Insurance coverage is complex: Despite protective measures like the parity act, even certain medical diagnoses can be exempt for arbitrary reasons.

    “Many plans simply do not accept certain diagnoses,” says Marschall, “So depending on which diagnosis you have, you could still not get coverage. Insurance executives with no mental health training get to decide who deserves help. It's ridiculous.”

  • Is There Affordable Online Therapy for Couples?

    There is affordable online couples therapy, but much like in-person therapy, it’s a little harder to find. Most insurance companies won’t cover it. This is in part because coverage requires a medical diagnosis, which is hard to assign when dealing with couples' issues. Contact your insurance provider to confirm your coverage details.


To select the best most affordable online therapy, we surveyed 105 users at 55 of the most popular online therapy platforms and 180 users at 25 directories. We also tested many of these platforms ourselves, consulted three industry experts, and sent questionnaires to the companies themselves. We favored platforms that offered a variety of affordable payment options, like sliding scale/low fees, insurance options, discounted therapy bundles, and availability of student therapy. Platforms and directories that performed well in terms of user satisfaction, both for affordability and quality of care, made it to the top of the list. We assessed membership fees, subscription fees, and other secondary costs associated with companies. We also looked at the value each one provides for the money, based on session length, therapist qualifications, user experience, and types of therapy offered. 

adult man talking to his therapist online

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