BetterHelp
Subscription online therapy with licensed therapists.
HSA-eligible
Best for: out-of-pocket payers who want unlimited messaging access to a therapist. Match-based therapist selection. No insurance.
$260-$400/mo (billed every 4 weeks)
Best HSA-Eligible Mental Health Apps (2026)
Mental health apps span therapy (BetterHelp, Talkspace), meditation (Calm, Headspace), and psychiatry (Cerebral, Brightside). All can be HSA-eligible, but the rules differ. This guide breaks down which apps qualify, which need a Letter of Medical Necessity, and which fit your situation.
Talkspace
Online therapy and psychiatry, accepts insurance.
HSA-eligible
Best for: people with insurance who want to stretch HSA dollars on copays. Includes psychiatry and medication management.
Therapy: ~$340/mo. Psychiatry: $249 first, $125/follow-up.
Cerebral
Therapy and psychiatry via telehealth with prescription delivery.
HSA-eligible
Best for: bundled therapy plus psychiatry under one subscription. Online prescription delivery.
$85-$259/mo depending on plan
Brightside
Anxiety and depression-focused telehealth with therapy and medication.
HSA-eligible
Best for: people specifically treating anxiety or depression. Strong outcomes data for these conditions.
$95-$349/mo depending on therapy plus meds bundle
Calm
Meditation and sleep app.
HSA-eligibleLMN required
Best for: sleep support and unstructured meditation library. Need LMN from provider or Truemed/Sika.
$69.99/yr or $14.99/mo
Headspace
Guided meditation with structured courses.
HSA-eligibleLMN required
Best for: meditation beginners and people who like structured course progression. Needs LMN.
$69.99/yr or $12.99/mo
Common Questions
Which mental health apps are HSA-eligible without an LMN?▼
Therapy and psychiatry platforms (BetterHelp, Talkspace, Cerebral, Brightside) are HSA-eligible without an LMN when treating a diagnosed condition. Meditation apps (Calm, Headspace) require an LMN.
How do I get an LMN for a meditation app?▼
Ask your doctor, therapist, or psychiatrist. Many will provide one for $0 during a regular visit. Or use Truemed or Sika Health to get one issued during the app's checkout flow for $30-$50.
Can I use insurance and my HSA together?▼
Yes. Use insurance first if available (Talkspace, Cerebral, Brightside accept insurance) and pay copays or out-of-pocket portions with your HSA. BetterHelp doesn't take insurance, so HSA is the most tax-efficient route.
Are couples or family therapy sessions HSA-eligible?▼
Yes when at least one participant has a diagnosed condition being treated. Most platforms support couples therapy as a paid add-on.
How do I track these subscriptions in HSA Trackr?▼
Add each as a recurring expense in HSA Trackr with the monthly charge amount. Upload the LMN PDF for meditation apps so you have a complete audit-ready record.
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Track your HSA-eligible subscriptions in HSA Trackr
Snap a photo of every receipt and LMN, let AI categorize it, and keep audit-ready records.
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