HSA Trackr

Brightside vs BetterHelp HSA Comparison (2026)

Online therapy and psychiatry with a focus on anxiety and depression, accepts most major insurance.

Subscription online therapy with licensed therapists via video, phone, or chat.

HSA Eligibility at a Glance

Brightside

HSA-eligible

Brightside therapy, psychiatry, and prescribed medications are HSA-eligible. Accepts HSA/FSA cards and most major insurance.

BetterHelp

HSA-eligible

BetterHelp talk therapy is HSA-eligible. HSA/FSA cards accepted at checkout.

Pricing

Brightside

Therapy: $299/mo. Psychiatry: $95/mo. Combined: $349/mo.

BetterHelp

$65-100/week, billed every 4 weeks ($260-$400/mo)

Which Should You Pick?

When to choose Brightside

  • Anxiety or depression is your primary concern, Brightside specializes here
  • You want insurance billing as the first payment option
  • You need psychiatry as well as therapy in one platform

When to choose BetterHelp

  • You want a broader range of therapist specializations
  • You prefer unlimited messaging between sessions
  • You don't need psychiatric medication management

Visit Each Vendor

Visit BrightsideVisit BetterHelp

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Common Questions

Are Brightside and BetterHelp both HSA-eligible?▼
Yes. Both qualify for HSA when treating a diagnosed condition. Both accept HSA/FSA cards at checkout, no LMN needed.
Does Brightside accept insurance?▼
Yes, Brightside accepts most major insurance plans. If your plan is in-network, use insurance first and HSA for copays.
Which one offers psychiatry?▼
Brightside offers both therapy and psychiatry. BetterHelp offers therapy only.
Is the prescription cost separate?▼
Brightside's psychiatry plan includes the provider visit. Medication itself is billed separately through your pharmacy and is also HSA-eligible.
Which is cheaper for therapy only?▼
Brightside therapy-only is $299/mo vs BetterHelp's ~$320/mo. Difference is small enough that fit and specialization matter more than price.
How do I track therapy and prescription expenses in HSA Trackr?▼
Log the subscription as a recurring expense, then add individual prescription pickups as one-off expenses with the receipts attached.

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