Sorted by starting price
6 Cheapest Affordable Online Therapy of 2026
By the Rankozo research desk · Updated November 12, 2026
Among the 9 tools in our best affordable online therapy ranking, Open Path Collective has the lowest verified paid starting price at $40 per session, plus $65 one-time membership. Prices below are quoted from each vendor's US pricing page.
- 01
Open Path Collectiveuninsured people who need low-fee sessions
Individual sessions $40 to $70 plus a one-time $65 membership; student interns $30 per session
Full entry, No. 4 overallStarts at
$40
Score 8.5
- 02
Online-Therapy.comcash payers who want structured CBT exercises
From $48 per week for the first month (Basic, $60 per week after); Standard with a weekly live session from $72 per week
Full entry, No. 5 overallStarts at
$48
Score 8.4
- 03
Calmerrycash payers who want a cheap text-only or video-only plan
Messaging plan $49.50 per week for the first month ($57 after); 4 live videos plan from $54.50 per week
Full entry, No. 6 overallStarts at
$49.50
Score 8.3
- 04
Talkspaceinsured adults and teens who want the lowest copay, with a cash fallback
Most insured members pay a $0 copay; out-of-pocket plans from $69 per week (messaging only)
Full entry, No. 1 overallStarts at
$69
Score 9.0
- 05
7 Cupspeople who want free peer support now and therapy later
Free peer support; Premium $7.99 per month billed yearly (no therapist); messaging therapy $159 per month
Full entry, No. 8 overallStarts at
$159
Score 8.0
- 06
MDLIVEpeople who want to pay per visit with no subscription
Talk therapy $0 to $179 for the first visit depending on coverage; follow-ups $140 before insurance
Full entry, No. 9 overallStarts at
$179
Score 7.9
Scores and prices come from our Best Affordable Online Therapy ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com