Free online therapy services are often volunteer-based and are not for people who have severe mental health concerns. However, there are options for low cost therapy. Our roundup shares some of the best options.

Best free online therapy services

  • Best for emergencies: Crisis Text Line | Skip to review
  • Best for self-management: Bliss by the Centre for Interactive Mental Health Solutions | Skip to review
  • Best for equitable access to therapy: Inclusive Therapists | Skip to review

Best low cost therapy services

The cost of therapy can still be steep, even with online platforms, so knowing different ways you can get help — through low cost and free online therapy — can help ensure you’re getting mental health services that are equitable and readily available to those who need it.

There are various free online mental health platforms that can connect you to licensed professionals or provide peer support groups where you can get help through various platforms, from chat and text messaging to video.

Some online platforms also offer sliding scale pricing, financial aid, or both. Here’s how to determine if your current health insurance covers online therapy. Copays can be as low as $0 depending on your coverage and the platform you choose.

We break down our choices of the best free online therapy options and low cost online therapy services below.

You’re not alone.

Call 988 for help, or visit the National Alliance for Suicide Prevention for immediate help. For emergencies, call 911 to find a local emergency service near you.

We selected each free or low cost online therapy service based on key features to ensure that the mental health support offered is secure, budget-conscious, reliable, and appropriately credentialed.

We also considered how long you need to wait for an appointment, whether the service offers 24/7 support, and whether the service offers video and phone chat, live chat, and text messaging.

Each online therapy service also went through our rigorous vetting process after we selected the services based on the features listed above.

Why Trust Healthline
35+
online therapy platforms evaluated
12
online therapy platforms personally tested
How we evaluate online therapy platforms

Our Medical Standards and Insights team has carefully researched and vetted over 11,000 products and services. We evaluate services for consistency with standards of care and best practices, and we look into each brand’s reputation before sharing products and services on Healthline.

To choose the online therapy platforms on this page, we considered all the platforms that passed our vetting process. Then, we personally tested some of them to narrow down our list even further.

If none of the above free resources offer what you’re looking for, or you have therapy in your budget up to a certain amount, these low cost online therapy services have all passed our vetting standards.

Some offer financial aid, some offer pay-what-you-can services, and some accept insurance.

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Price
Accepts insurance?
Financial aid available?
How to get started
Crisis Text Line
free
text or message the hotline
Bliss
free
sign up and begin immediately
Inclusive Therapists
varies by therapist
varies by therapist
no
search for a therapist or fill out a questionnaire to get matched
Open Path Psychotherapy Collective
$40 to $70 per session
no
no
search for a professional and then email them for availability
Talkspace
$25 copay or less
yes
no
sign up for a membership
BetterHelp
$70 to $100
no
yes
sign up for a membership
Online-Therapy.com
from $48 a week
no
yes
sign up for a membership

Finding a good online therapist can typically present challenges. Finding one for free is even more difficult.

If you have insurance, a good first step is to call your benefits center or do a quick search online.

You can also check with your health insurance company to see if it can at least cover some of the cost if it can’t cover it all. If you’re a student at a college or university, check your campus services to see if they have a counseling center, or check with the psychology department to see if they’re hosting any free clinics where they can put their skills to the test and help out the public.

Several national organizations, such as the Substance Abuse and Mental Health Services Administration (SAMHSA) and the National Alliance on Mental Illness (NAMI), can help you find free or low cost online therapists or resources. These organizations usually recommend resources they have worked with before and that they know can help you with your situation.

Need more options?

If you prefer a more personal environment or are experiencing serious issues that require exposure therapy, many in-depth discussions, or more comprehensive care (such as those relating to addiction, eating disorders, or severe depression), you may want to think about seeing a therapist in person.

But everyone is different, and this will be a matter of personal preference. If you have quicker access to an online therapist, you might want to start that way and then switch to in-person if it suits you better overall.

Managing your mental health doesn’t have to be time consuming or expensive.

Various online therapy platforms can help you find support groups or licensed therapists who can help you manage anxiety, depression, PTSD, and other mental health conditions for free or at a very low cost.

A number of online services offer free or reduced-cost therapy. Some of these free services may be run by peer counselors or coaches and require payment to work directly with licensed mental health professionals. Additionally, certain online services may be covered by some insurance plans or EAPs.

Also, a number of mental health organizations, including?SAMHSA?and?NAMI, can provide free peer counseling over their hotlines or connect you with a free or low cost online therapist. However, the qualifications of the people you speak to may vary.

The benefits of online therapy include:

  • accessibility
  • time efficiency
  • cost-effectiveness
  • lack of geographical barriers
  • comfort and privacy

Anyone who is willing to listen, focus, and commit to bettering their mental health?may benefit from?online therapy. However, online therapy is not useful for helping to manage all conditions.

A?2024 review suggests that online therapy helped children and young people with depression and anxiety during the COVID-19 pandemic. Online therapy is also a great option if you are having trouble finding a therapist near you who suits your needs.

However, someone with a mental health condition that needs more direct management, such as?schizophrenia?or?psychosis, might need immediate, face-to-face intervention.

Additionally, if you or someone you know is experiencing significant?suicidal ideation, in-person therapy might be a better choice.

Free online therapy services are usually run by peers or volunteers who have had some training, while paid?online therapists have credentials, a degree, and more. Having someone to talk with could be beneficial for some folks, but others may need more concentrated and practiced care.

If you have a limited budget for mental health care, your insurance doesn’t cover therapy, or you don’t have easy access to care, free online therapy platforms can be an effective option. But keep in mind that the people you talk with when using these services may not be licensed professionals.

Talkspace is not a free therapy service.

There aren’t any free apps that allow you to speak with a therapist. However, there are a range of free apps that can help support your mental health, such as Calm, which can help people with anxiety and sleep problems, and introduce meditation.

People can also use free services like Bliss by the Centre for Interactive Mental Health Solutions to learn about CBT, and text “HOME” to the Crisis Text Line on 741741 on for mental health emergencies.