So, after spending nearly $3K on therapy this year, I found that I will receive exactly zero back because my therapist was "in network" and apparently had a contracted rate of $75 while I've been paying $120 a session.

He's actually no longer accepting insurance (my plan happened to be the last straggler as he has a few other patients who use it) and while I would like to go weekly I can't afford $500 a month for therapy.

Does the ACA impact mental health coverage at all? I actually don't understand anything about insurance.