01Recommended
Talkspace
Comprehensive online therapy
- Individual, couples and teen therapy
- Psychiatry and medication management
17 Best Online Therapy Services of 2026
Talkspace is best for comprehensive therapy that combines messaging, video and psychiatry, Open Path Psychotherapy Collective for low-cost sliding-scale sessions, and Grow Therapy for using insurance. Decide whether you need the lowest out-of-pocket cost, insurance billing or a full range of care, then confirm therapist licensing in your state.
Fact-checkedOur top 3 picks
Independent picks from our 2026 ranking. No paid placements.
02Best affordable
Open Path Psychotherapy Collective
Low-cost therapy
- Sliding-scale therapy
- $30 student-intern sessions
03Best with insurance
Grow Therapy
Using insurance
- Individual, couples and family therapy
- Psychiatry and medication management
Advertiser disclosure RaveReviews may earn a commission from links on this page. That never influences our scores or rankings. How we make money.
The RaveReviews AlgorithmSources, weights and method
How the score works
We collect published rankings in this category, normalize each placement to a 0–100 scale, weight the sources by category fit and recency, and average only the lists where a provider appears. The result is divided by 10 and rounded to one decimal.
- 01Collect the source rankings.
- 02Normalize every position.
- 03Weight the sources.
- 04Calculate the RaveReviews Algorithm score.
Scoring factors
- Quality of care30%
- Access and fit25%
- Total cost15%
- Privacy and support15%
- Reputation15%
Sources used
Last reviewed 2026-11-02. 4 sources contributed to this ranking.
The ranking at a glanceScores, chart and shortlist shape
Score curve
How the top 10 scores fall from first to tenth.
#1#5#10
Top scores
The first five, scored out of 10.
What you need to know before you choose.
Online therapy services differ in price, insurance acceptance and whether they offer messaging, video or psychiatry. Compare the total cost per month and the credentials of the therapists.
Online therapy is not for emergencies; call or text 988 in the U.S., or call 911 if there is immediate danger. Verify that the therapist is licensed in your state and ask whether the quoted price includes messaging, live sessions and psychiatry. Check cancellation terms and whether the service bills insurance or requires upfront payment.
What the research says.
This shortlist is built from published rankings, not a single editor's opinion. Here is the evidence behind the score.
17options reviewed
4.5average score
9.1top score
4authority sources
The greatest wealth is health.
Key insights
17options reviewed
Compared on value, features, ease, support and reputation.
5weighted ranking factors
The same published model across every category.
0paid placements
Compensation never changes a score or a rank.
Health & Wellness options ranked
17 options, scored on value, features, ease of use, support and reputation.
Talkspace
RecommendedBest overall- Individual, couples and teen therapy
- Psychiatry and medication management
- Video, phone and messaging
Open Path Psychotherapy Collective
Best affordable- Sliding-scale therapy
- $30 student-intern sessions
- Virtual and in-person options
Grow Therapy
Best with insurance- Individual, couples and family therapy
- Psychiatry and medication management
- Video and in-person sessions
Amwell
Best insurance acceptance- 45-minute video sessions
- Individual and couples therapy
- 37 insurance plans
BetterHelp
Best availability- Individual, couples and teen therapy
- Video, phone and text sessions
- Financial aid
Online-Therapy.com
Best for CBT- CBT-based therapy
- Worksheets, journal and mood tracker
- Yoga and meditation videos
Brightside Health
Best for anxiety & depression- Video therapy and psychiatry
- Unlimited messaging
- Progress tracking and lessons
Teladoc Health
Best for busy schedules- 45-minute video or phone sessions
- Individual therapy and psychiatry
- 105 insurance plans
E-Therapy Cafe
Best budget sessions- Individual and couples therapy
- Coaching sessions
- Video, phone and messaging
Thriveworks
Best for families- Family and couples therapy
- Child and teen therapy
- Psychiatry and medication management
Regain
Best for couples- Couples therapy
- Individual therapy
- Video, phone and messaging
Sesame
Best for same-day care- Therapy marketplace
- Same-day video visits
- Psychiatry and medication
LiveHealth Online
Best psychologist access- 45-minute video visits
- Therapists and psychologists
- Psychiatry services
Talkiatry
Best for psychiatry- Psychiatry and medication management
- Video appointments
- Insurance billing
MDLive
Best for children- Video and phone visits
- Child and teen therapy
- Psychiatry and medication
Doctor on Demand
Best session flexibility- 25- and 50-minute video sessions
- Individual, couples and teen therapy
- Psychiatry and medication
OurRitual
Best for relationships- Couples therapy
- Individual relationship therapy
- Video and audio sessions
Talkspace combines individual, couples and teen therapy with psychiatry, messaging and insurance coverage in one place.
9.1RaveReviews Algorithm
Compare the top options
The details that matter most, in one view.
| Offer | Talkspace | Open Path Psychotherapy Collective | Grow Therapy | Amwell |
|---|---|---|---|---|
| RaveReviews Algorithm | 9.1 | 8.6 | 8.2 | 7.8 |
| Best for | Comprehensive online therapy | Low-cost therapy | Using insurance | Insurance choice |
| Price | From $69 | From $30 | From $0 | $109–$129 |
| Highlight | Individual, couples and teen therapy | Sliding-scale therapy | Individual, couples and family therapy | 45-minute video sessions |
Showing the top 4 of 17 options. See every ranked option.
The questions buyers actually ask
Clear answers to the decisions that come after the shortlist.
What is the best choice in online therapy services?
If you want the short answer, start with Talkspace. It earned a 9.1 out of 10 in our 2026 ranking, and it is the option we would shortlist first for comprehensive online therapy. That does not mean it is the right choice for every reader. It means it is the most defensible place to begin.
The ranking is a shortlist, not a finish line. The right option depends on the job you need done, the total cost after fees and the support you will actually use. Open Path Psychotherapy Collective is the stronger fit for low-cost therapy. Grow Therapy is worth a close look for using insurance. Start with the top pick, then compare the runner-up on the details that change your decision.
Most buyers do not need the longest feature list. They need a clear answer to a smaller question. What will this cost over a year? What happens when something goes wrong? Can I leave without a penalty? Those questions separate a good shortlist from a good decision.
How did we rank online therapy services?
We used the same five-factor model across this category. Quality of care at 30%, access and fit at 25%, total cost at 15%, privacy and support at 15%, reputation at 15%. The weights are published because a score without a method is just a vibe with a decimal point.
The process starts with the evidence a buyer can actually check. We review provider materials, published pricing, contract terms and the support model. Then we compare the details that tend to cause regret later. A low headline price does not count for much if the service fee, cancellation term or coverage limit undoes it.
We also separate popularity from quality. A brand can be everywhere and still be a poor fit for your situation. The ranking rewards fit, not advertising spend. That is why the top pick may not be the most famous name on the page.
What should you look for in online therapy services?
Start with the features that affect your actual use case. For Talkspace, the relevant details include individual, couples and teen therapy, psychiatry and medication management, video, phone and messaging. Those are not decoration. They are the parts of the product that determine whether it works on a normal Tuesday, not just on the day you sign up.
Then look at the terms. Price is easy to compare. Contract length, service fees, cancellation rules, support hours and eligibility are harder. They are also where most of the real cost hides. Ask for the total annual cost, not the monthly teaser. Ask what happens if you need to cancel, move or change the plan.
Finally, check the track record. A provider that answers a sales call quickly may be slow when you need help. Read recent reviews, look for patterns and ask how disputes are handled. The best time to learn how a company behaves is before you depend on it.
How much do online therapy services cost?
Talkspace starts at From $69 per week, billed monthly; $15–$30 average copay with insurance. Open Path Psychotherapy Collective starts at From $30 per session; $65 one-time membership fee. Grow Therapy starts at From $0 average copay with insurance; $75–$200 self-pay per session. Those prices are a starting point, not a full budget. The final number depends on the plan, the contract, the add-ons and where you live.
Here is the part most shoppers miss. The cheapest monthly price is often the most expensive decision. A low rate with a long contract, a large service fee or a narrow coverage set can cost more than a higher headline price with clean terms. Compare the total cost over the period you expect to use the product.
Set a budget before you compare. Then decide which features are worth paying for. If you cannot explain why an upgrade matters to your actual use, it is probably not an upgrade. It is a sales feature.
Which option is best for comprehensive online therapy?
Talkspace is the pick here because talkspace combines individual, couples and teen therapy with psychiatry, messaging and insurance coverage in one place.. It is not the cheapest option in the category, and it is not trying to be. It is the option that makes the fewest compromises where the decision matters most.
That recommendation comes with a condition. If your priority is different, the ranking should change. A reader who needs the lowest possible upfront cost should look at the value pick. A reader who needs hands-on support should pay attention to service quality. The best answer is always relative to the job.
Use the top pick as a benchmark. Compare every other option against it on price, terms and the one feature you cannot do without. If another option wins on those three points, it deserves a closer look.
What should you verify before you buy?
Verify the total cost, not the promotional price. Ask for the monthly cost after any introductory period ends. Ask about setup fees, service fees, cancellation fees and anything that changes when you add a user, a location or a feature. The number you see in an ad is rarely the number you will pay in month twelve.
Verify the terms that are easy to miss. Contract length, renewal rules, data practices and support hours matter more than most buyers expect. If the provider cannot explain them clearly before the sale, assume the answer will be harder to get afterward.
Verify the fit with your actual workflow. A demo can make any product look simple. A free trial or a short pilot can show you what the product feels like on a normal day. Use the trial to test the one feature you need most. That is a better use of time than touring every menu.
What should you do next?
Start with the top pick and read the full review. Then compare the runner-up on the three details that matter most to you. If you are still unsure, use the comparison table and the methodology on this page. The goal is not to keep researching forever. The goal is to make a decision you can explain.
Before you sign up, confirm the current price, the contract term and the cancellation policy directly with the provider. Prices change. Terms change. A ranking can point you in the right direction, but the final check has to happen at the source.
If this ranking helped you narrow the list, stop there. A shortlist of two or three good options is enough. The best decision is the one you can act on with confidence, not the one that keeps you in the research phase for another month.
Who wrote and reviewed this ranking
Every ranking has a named editor and a separate quality review before publication.
David Krug
Head of Content
David leads the RaveReviews editorial team, turning research into clear comparisons and useful guides. He oversees content strategy, testing standards and the final read on every ranking.
LinkedIn
Annie Membreve
Head of Quality Control
Annie runs quality control at RaveReviews, checking sourcing, scoring and the details readers rely on. She reviews every ranking before publication and manages corrections.
TikTokFrequently asked questions
Is online therapy as effective as in-person therapy?
For many common concerns, research supports online talk therapy as a comparable option. Complex or high-risk situations may need in-person or coordinated care.
Does insurance cover online therapy?
Many plans do, but coverage varies by provider, state and plan type. Check the platform's insurance flow and confirm whether your deductible applies.
What should I do in a crisis?
Do not rely on a therapy app for an emergency. Call or text 988 in the U.S., or call 911 if there is immediate danger.
Can I switch therapists?
Most major platforms let you switch. Ask how the switch affects billing and how quickly a new match is available.
Keep comparing
More rankings and guides for the decision in front of you.