You can deduct the cost of therapy as a medical expense on your income tax. Also, some of us have one or two pro bono clients if they truly can’t afford it. Many companies have Employee Assistance Programs for free counseling. I paid my own therapist $75 an individual session, or $125 a month for group 30 years ago. There was no insurance to cover it then, so I took it as a deduction. Rates for therapy are the same or lower than they were 30 years ago. Therapist rates are held at $60 by most insurance companies, which is what a personal trainer at the gym makes, so many of us drop insurance companies. Insurance should offer equitable pay so more therapists will take it.