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Uninsured Options for Mental Health Care 

Mental health care is essential because it plays a significant role in our overall well-being. If you or someone you know don’t have insurance and you need mental health services, there are some affordable options:

Government programs: Some states have programs that are run by the government that offer free or low-cost mental health services. Government agencies may also offer online therapy options available for free or at a low cost. Learn more about government programs.

Teletherapy: Online therapy has become one of the most accessible and budget-friendly mental health care options. There are many online therapy platforms, like Betterhelp or Talkspace, that offer services to those who are uninsured or to those who have insurance but still are unable to afford mental health support.

Mental Health Clinics: There are some mental health clinics that offer free or low-cost therapy services for low-income individuals.  These clinics can be operated by nonprofits, religious institutions, or government agencies. 

Support groups: If you’re unsure where to find free therapy options, peer support groups can be a helpful starting point. There are many support groups out there for those who are struggling with their mental health. The National Alliance on Mental Illness (NAMI) has a directory for support groups.

Federally qualified health centers: Federally qualified health centers (FQHCs) are nonprofits that provide preventive and primary care to underserved communities. Many FQHCs also provide mental health services for uninsured individuals, such as:

  • Screening and assessment for mental health conditions
  • Psychiatric services
  • Substance use disorder treatment
  • Counseling services
  • Referrals

If you or someone you know is struggling with their mental health, contact a mental health professional for support. If you need immediate assistance that is not life-threatening, the National Alliance on Mental Illness (NAMI) provides a helpline for people experiencing mental health concerns: 1-800-950-NAMI (6264).

2875612     04/23