Quick Answer:
Online therapy costs $48-109/week without insurance in 2026. Online-Therapy.com is cheapest at $48/week. BetterHelp costs $65-100/week. Talkspace costs $69-109/week but accepts insurance (potentially $15-30/session). In-person therapy averages $174/session.
2026 Price Comparison
| Platform | Weekly Cost | Monthly Cost | Insurance | Live Sessions |
|---|---|---|---|---|
| Online-Therapy.com | 🏆 From $48 | ~$192 | ❌ (receipts provided) | From $64/wk |
| BetterHelp | $65-100 | $260-400 | ❌ (some states) | 4/month included |
| Talkspace | $69-109 | $276-436 | ✅ Most plans | From $99/wk |
| In-person | $174/session | $696 (weekly) | Usually yes | Weekly |
Cheapest Option: Online-Therapy.com
Online-Therapy.com starts at $48/week for their Basic plan — an 8-section CBT programme with daily therapist feedback, worksheets, journaling, and yoga. The Standard plan ($64/week) adds weekly 45-minute live sessions. All plans include 20% off the first month.
Try Online-Therapy.com — 20% Off →Cheapest With Insurance: Talkspace
If you have insurance, Talkspace accepts Aetna, Cigna, Optum, UnitedHealthcare, and others. With insurance, sessions can cost as little as $15-30 copay.
Free Options
7 Cups offers free peer support (not professional therapy). Self-guided meditation apps like Insight Timer (free) and Headspace ($69.99/year) help with mild symptoms. See our full therapy price comparison.
