My health insurance is set up really weird, so I’ve basically been going to therapy for “free” by spacing out my appointments (which I have to do anyway because it’s hard for me to take time off from my job) and paying for the last 3 appointments of the year (anywhere from $83-$125 an appointment) in cash because my health fund has run out (which is different than an HSA/FSA). Therapy is an absolute non-negotiable for me; I have to go right now, and this is the best way for me to do that.