Yes, you can use your FSA for therapy. Here’s how to make it work by Angela Myers | Sep 17, 2025 | Beginning Therapy, Mental Health Topics, Paying for Therapy Therapy usually comes with some out-of-pocket costs, regardless of your insurance status. These can range from a $20 copay to paying the entire session cost yourself if you don’t have insurance. No matter where you fall on that continuum, you’re probably hoping to make therapy as affordable as possible, and…