How Much Does Online Therapy Cost? Platform Prices and Insurance (2026)
Online therapy can be easier to fit into your day, but how much does it actually cost? Prices depend on the platform, the plan and whether your insurance is accepted. This guide explains typical online therapy prices in the US, how they compare with in-person therapy and what to check before you sign up.
By the U Heal Life editorial team. Last updated: November 2026. This is general information, not medical, legal, tax or insurance advice. We are not licensed clinicians. We have not tested the services mentioned.
Quick answer: Reported out-of-pocket prices for online therapy platforms range from about $40 to $110 per week, depending on the service and plan. For example, reviewers list BetterHelp at roughly $65 to $100 per week, Talkspace at roughly $69 to $109 per week without insurance, and Online-Therapy.com from about $40 to $50 or more per week. With insurance, a copay of roughly $10 to $30 per session is commonly reported for services that accept it. Prices change, so check each site and the billing terms.
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Typical Online Therapy Prices
These numbers are from public reviews and company pages, and they change often. Treat them as rough ranges.
| Option | Reported price (without insurance) | Insurance |
|---|---|---|
| BetterHelp | About $65 to $100 per week, billed in 4-week cycles | Some in-network options in select states, per the company |
| Talkspace | About $69 to $109 per week, depending on the plan | Accepts many plans, with copays often reported at about $10 to $30 |
| Online-Therapy.com | From about $40 to $50 or more per week | Does not accept insurance |
| Private practice online session | Often similar to in-person, about $100 to $200 | Depends on the therapist |
Some platforms offer financial aid or first-month promotions, so check the current terms.
Online vs In-Person Cost
A private in-person therapist often charges about $100 to $200 per session without insurance. A platform subscription may look cheaper per week, but sessions may be shorter or limited, and plans may include messaging. Compare what you actually get, not only the price. Read online therapy vs in-person therapy and how much therapy costs without insurance.
What Changes the Price?
- Subscription vs per session: weekly plans may include messaging, while per-session fees pay for live visits only
- Live video or messaging: plans with live sessions often cost more
- Insurance: accepted plans can lower the cost to a copay
- Couples or psychiatry: these often cost more
- Promotions and aid: some offer discounts
Does Insurance Cover Online Therapy?
Sometimes. Some services accept insurance, and many private practice therapists offer telehealth that insurance may cover. Medicare Part B may cover telehealth therapy with an enrolled provider (see Does Medicare cover therapy). Check your plan and read our insurance coverage guide.
Things to Check Before You Sign Up
- Is the therapist licensed in your state?
- How is billing done, and how do you cancel?
- What is included: live sessions, messaging, tools?
- Is there a trial period or refund policy?
- How is your data protected?
Online therapy is not designed for emergencies. In the US, call or text 988 if you are in crisis.
One Option Described by Its Own Site
Online-Therapy.com describes CBT-based programs for individuals and couples, with plans from about $40 or more per week. This is an affiliate link: we may earn a commission at no cost to you. We have not tested it and we cannot promise results, so please check the details and decide what fits you. See Online-Therapy.com
Frequently Asked Questions: How Much Does Online Therapy Cost
How much is online therapy per month?
Roughly $160 to $440 per month on many platforms without insurance, depending on the plan.
Is online therapy cheaper than in-person?
Often, but not always. Compare session length and what is included.
Can I use an HSA or FSA for online therapy?
Often yes, when it is medical care. See can you use an HSA or FSA for therapy.
Is there free online therapy?
Some community programs and helplines offer free support. See free and low-cost therapy options.
Does online therapy work?
Research suggests it can work about as well as in-person for many people. See our comparison above.
Helpful resource: The American Psychological Association shares information about psychotherapy and telehealth.
Related Reading
- Online Therapy vs In-Person Therapy
- How Much Does Therapy Cost Without Insurance?
- How Much Does Couples Therapy Cost?
- Can You Use an HSA or FSA for Therapy?
- How to Find a Therapist
Disclaimer: This article is for general information only and is not medical, mental health, tax or insurance advice. Prices, rules and availability change, so please confirm details with each provider or plan. If you are in crisis or thinking about harming yourself, call or text 988 (the Suicide and Crisis Lifeline in the US) or your local emergency number right away.