Skip to main content
Headway

Book LGBT-friendly therapy, covered by insurance

LGBT therapists in Baltimore, MD

Therapist and patient in a therapy session
Calculator Illustration
Get a cost estimate
People with insurance pay as low as $0 per session through Headway

Top LGBT-friendly therapists and psychiatrists in Baltimore, MD

Baltimore's LGBTQIA+ community deserves mental healthcare from providers who understand and celebrate who you are. Headway offers flexible therapy options with 664 compassionate providers ready to support your mental health journey through talk therapy and medication management services.

Sana Chunara

Sana Chunara

Psychiatric Mental Health NP

Virtual • Baltimore, MD


“I combine evidence-based medication management with supportive, therapeutic conversation to help you feel heard and empowered.”
LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Holistic, Solution-oriented
Accepts 11 insurance carriers
Funmilayo Olugbemi

Funmilayo Olugbemi

Psychiatric Mental Health NP

Virtual • Waldorf, MD


“My treatment method consists of a person-centered approach with evidenced-based medication management; and while working as a team, I provide a combination of psychiatric medication, supportive/talk therapy, and encourage lifestyle changes.”
LGBTQIA+, Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues
Affirming, Holistic, Solution-oriented
Accepts 7 insurance carriers
Dr. Olukemi Omogoke

Dr. Olukemi Omogoke

Psychiatric Mental Health NP

Virtual • Maryland


You should know that I take your concerns seriously, and I will meet you with compassion, respect, and zero judgment. I understand that reaching out for mental health support can feel intimidating, especially if you have faced stigma, felt dismissed in the past, or worried about what a diagnosis might mean. My goal is to help you feel safe and at ease from the very first conversation.

As a doctoral-prepared, board-certified Psychiatric Mental Health Nurse Practitioner with over eight years of experience in psychiatric and mental health care, I work with individuals across the lifespan. I commonly support people navigating depression, anxiety, PTSD, stress-related concerns, bipolar disorder, ADHD, and other emotional or behavioral health challenges. I approach each person as a whole, not a label, and I take the time to understand your symptoms in the context of your life, your stressors, your strengths, and your goals.

In our work together, you can expect a collaborative, patient-centered approach. I believe treatment works best when you feel heard and involved, so we will discuss what you are experiencing, what has helped or not helped in the past, and what you want to be different moving forward. If medication is part of your care, I prioritize thoughtful, evidence-based decisions, clear education about options, and ongoing adjustments based on your response and preferences. I also value practical strategies and supportive guidance that you can apply between sessions.

Most importantly, I am passionate about each person I serve because I know you are important, and I recognize the courage it takes to seek help. My role is to offer steady, professional support and a trusting relationship as you work toward clarity, stability, and lasting wellness.

LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Holistic, Open-minded, Participatory
Accepts 9 insurance carriers
Dr. Karina Tuohy

Dr. Karina Tuohy

Psychologist

Virtual • Maryland


I am a licensed clinical psychologist who specializes in treating adolescents and young adults with a variety of presenting problems including OCD, anxiety, depression, trauma, stress, and behavioral concerns. With a compassionate, collaborative approach, I work to empower clients by focusing on their unique strengths and personal resilience.

LGBTQIA+, ADD/ADHD, Anxiety, Cultural & ethnic issues, Depression
Affirming, Open-minded, Warm
Accepts 4 insurance carriers

Offers free consultationsView profile and book
Julia Smail

Julia Smail

Therapist

Virtual • Maryland


Hello, My name is Julia Smail and I am the owner of Spill The Tea Counseling. I believe we all have feelings & thoughts that are waiting to be expressed. Do you find it challenging transitioning through different parts of your life & managing emotions along the way? How about being able to express yourself & be validated in a safe & trusting space? The challenge in life is finding who you are as a person & not what others want you to be. Building a trusting relationship with yourself can lead to strengthening your identity & developing a sense of self through awareness & mindfulness. Transitions can be challenging but beautiful

I am a neurodivergent-affirming therapist who was diagnosed with ADHD as an adult. I provide a safe space to express thoughts & feelings, as well as establish tools to support you in your growth. With various techniques & tools practiced, you will be able to feel mentally, emotionally, & physically balanced as you navigate through life's transitions.

LGBTQIA+, ADD/ADHD, Anxiety, Depression, Family issues
Affirming, Open-minded, Warm
Accepts 5 insurance carriers
Deja Adams

Deja Adams

Psychiatric Mental Health NP

Virtual • Maryland


“I provide compassionate, individualized care for anxiety, depression, PTSD, ADHD, bipolar disorder, and other challenges.”
LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Holistic, Solution-oriented, Warm
Accepts 6 insurance carriers
Destiny Hilliard-Thomas

Destiny Hilliard-Thomas

Therapist

Virtual • Maryland


“I sincerely believe that everyone deserves to pursue their ideal self in order to facilitate social, emotional and mental wellness.”
LGBTQIA+, Anxiety, Cultural & ethnic issues, Maternal mental health, Stress management
Holistic, Open-minded, Warm
Accepts 8 insurance carriers
Marcia Winter

Marcia Winter

Therapist

Virtual • Maryland


“I primarily utilize client centered and solution focused therapy. I will sometimes ask you to complete a worksheet or do some homework for further exploration outside of therapy, if you find this helpful.”
LGBTQIA+, Anger management, Anxiety, Depression, End of life care
Inquisitive, Solution-oriented, Warm
Accepts 11 insurance carriers
Jenny Chukwudike

Jenny Chukwudike

Psychiatric Mental Health NP

Virtual • Maryland


“As a double-certified nurse practitioner with expertise in both family and psychiatry medicine, I approach care with a holistic perspective, emphasizing comprehensive well-being.”
LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Holistic, Open-minded, Solution-oriented
Accepts 7 insurance carriers
Tiyahna Miles-Hall

Tiyahna Miles-Hall

Therapist

Virtual • Maryland


Do you struggle with anxiety, depression, poor self-esteem, negative thoughts, unhealthy relationships or the inability to say NO! Are you tired of feeling like nothing will change or your stuck in life because you don't know what to do to make it better? I focus on adults using CBT, REBT, Person Centered and Motivational interviewing to assist clients in learning more about themselves and their perspective on life. I have experience working with many different mental health disorders including depression, anxiety, stress, marital/relationship issues and career struggles to name a few.

LGBTQIA+, Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues
Affirming, Empowering, Participatory
Accepts 9 insurance carriers
Mary Williams

Mary Williams

Therapist

Virtual • Maryland


“I specialize in helping people heal from trauma, rebuild their self-worth, and create healthier relationships while learning practical skills they can use outside of therapy.”
LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Open-minded, Solution-oriented, Warm
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Dr. Opeyinka Adesunloye

Dr. Opeyinka Adesunloye

Psychiatric Mental Health NP

Virtual • Maryland


“My therapeutic approach emphasizes patient-centeredness, collaboration, and shared decision-making, which allows you to be actively involved in your care.”
LGBTQIA+, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Holistic, Open-minded, Solution-oriented
Accepts 7 insurance carriers
Ine Saka

Ine Saka

Psychiatric Mental Health NP

Virtual • Maryland


I’m Ine Saka, PMHNP-BC, FNP, and founder of Empathy Wellness Center, currently serving Maryland and Virginia. As a board-certified psychiatric and family nurse practitioner, I provide compassionate, holistic, evidence-based care for children, adolescents, and adults. I specialize in ADHD, mood disorders, anxiety, and trauma, integrating traditional psychiatry with wellness-focused approaches to support mind, body, and spirit.

LGBTQIA+, ADD/ADHD, Anxiety, Bipolar disorder, Chronic conditions
Creative, Empowering, Holistic
Accepts 4 insurance carriers
Dr. Fanta Conde

Dr. Fanta Conde

Therapist

Virtual • Maryland


“Clients can expect to receive support in finding peace, clarity, and effective coping techniques to achieve a better quality of life.”
LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Open-minded, Solution-oriented, Warm
Accepts 8 insurance carriers
Dr. Olivier Djoumessi

Dr. Olivier Djoumessi

Psychiatric Mental Health NP

Virtual • Maryland


“He believes that collaborative care, where patients actively participate in their treatment plans, yields the best outcomes.”
LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Solution-oriented, Warm
Accepts 6 insurance carriers
Daniel Lozoya

Daniel Lozoya

Therapist

Virtual • Maryland


“I believe therapy should feel collaborative, respectful, and human. My goal is to create a space where you do not have to perform, minimize your pain, or have everything figured out before asking for support.”
LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Affirming, Creative, Empowering
Accepts 6 insurance carriers

Offers free consultationsView profile and book
Tonnesha Kidd

Tonnesha Kidd

Psychiatric Mental Health NP

Virtual • Bowie, MD


Hi, I’m a Board Certified Psychiatric Mental Health Nurse Practitioner. I graduated from Drexel University with my Master's degree in Nursing. I then completed my Post-Graduate Certificate in Psychiatric Mental Health Nurse Practitioner. I have over twenty years of experience working in healthcare. Psych has always been my passion. My experiences encompass working with clients across the life span, including Child and Adolescents, Adult, and Geriatric patient populations. I’ve provided services to clients presenting with many psychiatric disorders, such as Anxiety, Depression, ADHD, Bipolar Disorder, and more. I’m in the belief that mental health wellbeing is a priority. Human beings are resilient. Holistic care is the key to promoting better patient outcomes. Therefore, I believe that with an evidence-based practice treatment plan consisting of psychotherapy and/or a combination of psychotherapy and medication management, one will be able to control their mental health.


I’m a very compassionate, caring, and empathetic person. I strive to provide holistic care and collaborate with my clients to develop a treatment plan that they are comfortable with.

LGBTQIA+, Anger management, Anxiety, Bipolar disorder, Depression
Holistic, Solution-oriented, Warm
Accepts 6 insurance carriers
Robyn Weiner

Robyn Weiner

Therapist

Virtual • Maryland


“With over 20 years of experience, I'm passionate about helping people navigate life's challenges and work toward meaningful change.”
LGBTQIA+, Anxiety, Depression, Eating disorders, End of life care
Empowering, Open-minded, Solution-oriented
Accepts 14 insurance carriers
Melissa Moreno

Melissa Moreno

Therapist

Virtual • Maryland


“With over 20 years of training and experience in DBT, I guide clients in developing skills they can carry into daily life.”
LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Open-minded, Warm
Accepts 12 insurance carriers
Dr. Rupert Thompson

Dr. Rupert Thompson

Psychiatric Mental Health NP

Virtual • Maryland


“I'm someone who believes that therapy and psychiatric care should feel like a real conversation, not a clinical interrogation.”
LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Direct, Holistic, Solution-oriented
Accepts 3 insurance carriers
Elionore Nkwemou

Elionore Nkwemou

Psychiatric Mental Health NP

Virtual • Hagerstown, MD


“I am a compassionate board certified Nurse Practitioner in Psychiatric Mental Health and Family Nurse practitioner.”
LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Humorous, Open-minded, Warm
Accepts 10 insurance carriers
Kristin Miller

Kristin Miller

Therapist

Virtual • Maryland


As a licensed clinical professional counselor (LCPC) who has been practicing for over 10 years, I can promise support, empathy, and engagement. Additionally, I have formal training in trauma treatments, TEAM-CBT, RLT couples counseling, and years of experience with several other approaches. I enjoy working with individuals and couples, i am an LGBTQIA+ ally, and i love my job!

LGBTQIA+, Anger management, Anxiety, Bipolar disorder, Depression
Affirming, Empowering, Warm
Accepts 12 insurance carriers
Christine Leone

Christine Leone

Therapist

Virtual • Reisterstown, MD


“My approach is empowering and solution oriented. I meet you exactly where you are, focus on what you can realistically change, and help you build practical steps toward what matters most.”
LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Chronic conditions
Affirming, Empowering, Solution-oriented
Accepts 4 insurance carriers

Offers free consultationsView profile and book
Dr. Barbara Buxton

Dr. Barbara Buxton

Psychiatric Mental Health NP

Virtual • Maryland


“As a Black woman and healthcare professional, I understand the unique stressors faced by marginalized communities, and I am deeply committed to providing culturally responsive, affirming care where clients feel understood in their full identities.”
LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Affirming, Participatory, Solution-oriented
Accepts 7 insurance carriers
Olajumoke Rotimi

Olajumoke Rotimi

Psychiatric Mental Health NP

Virtual • Columbia, MD


“My approach is warm, collaborative, and focused on helping you feel heard, respected, and comfortable being yourself.”
LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Energetic, Open-minded, Solution-oriented
Accepts 8 insurance carriers
Samantha Shanholtz

Samantha Shanholtz

Therapist

Virtual • Maryland


I have been a Social Worker for almost 10 years and have had a variety of experiences during that time. Most of my work is with children and families. I graduated with my Masters from West Virginia University and have been a Clinical Social Worker since 2023.

LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Chronic conditions
Direct, Open-minded, Solution-oriented
Accepts 11 insurance carriers

Offers free consultationsView profile and book
Jessica Linzmeier

Jessica Linzmeier

Psychiatric Mental Health NP

Virtual • Maryland


My background as a midwife for 22 years has prepared me to support you in your psychiatric journey. Although I specialize in maternal mental health, I enjoy general psychiatry for all genders age 14 and up. My philosophy is to provide integrative holistic psychiatric care that includes lifestyle changes, nutrition and medication. I attended graduate school at Yale School of Nursing and Frontier Nursing University. I am also certified by Postpartum Support International and am a lactation consultant. I am working towards my integrative psychiatry certification through the Integrative Psychiatry Institute.

LGBTQIA+, ADD/ADHD, Anxiety, Bipolar disorder, Chronic conditions
Affirming, Solution-oriented, Warm
Accepts 10 insurance carriers

Offers free consultationsView profile and book
Sophie Nathan

Sophie Nathan

Therapist

Virtual • Maryland


“I offer a warm, direct, supportive space to better understand your patterns, build healthier boundaries, quiet your inner critic, and express yourself more authentically.”
LGBTQIA+, ADD/ADHD, Anxiety, Chronic conditions, Cultural & ethnic issues
Direct, Inquisitive, Warm
Accepts 6 insurance carriers
Carolyn Gonterman

Carolyn Gonterman

Therapist

Virtual • Maryland


“My approach is integrative and holistic with a focus on supporting adults in making lasting change, deconstructing shame, and promoting self-empowerment.”
LGBTQIA+, ADD/ADHD, Anxiety, Bipolar disorder, Depression
Affirming, Direct, Inquisitive
Accepts 7 insurance carriers
Lindsay Wallace

Lindsay Wallace

Therapist

Virtual • Maryland


“I believe that when we approach life's challenges with curiosity rather than criticism we are better able to reach a sense of peace and acceptance.”
LGBTQIA+, ADD/ADHD, Anxiety, Bipolar disorder, Cultural & ethnic issues
Affirming, Open-minded, Warm
Accepts 8 insurance carriers
Lauren McCauley

Lauren McCauley

Therapist

Virtual • Maryland


“I am LGBTQ+ affirming and welcome all people to my practice. This will be a safe space for you always.”
LGBTQIA+, Anxiety, Depression, Family issues, Identity issues
Empowering, Holistic, Open-minded
Accepts 8 insurance carriers
Alta Chery-Leonard

Alta Chery-Leonard

Psychiatric Mental Health NP

Virtual • Maryland


I’m a dual-certified Family Nurse Practitioner (FNP-C) and Psychiatric Mental Health Nurse Practitioner (PMHNP-BC) with more than 16 years of experience in healthcare and a deep passion for providing compassionate, individualized mental health care.

I believe everyone deserves to feel heard, respected, and supported. My approach is patient-centered and collaborative, with treatment plans tailored to your unique needs, goals, and circumstances.

Through Telehealth, I provide evaluation and treatment for a wide range of mental health concerns, including ADHD, Oppositional Defiant Disorder, Disruptive Mood Dysregulation Disorder, anger concerns, intermittent explosive disorder, depression, anxiety, bipolar disorder, binge-eating disorders, body dysmorphia, PTSD, unresolved trauma, family conflicts, personality disorders, schizophrenia, and substance use disorders. I proudly provide an LGBTQ+ affirming and inclusive space for all patients.

I also believe mental health care works best when providers work together. When appropriate, I collaborate with therapists, primary care providers, and other healthcare professionals to help create comprehensive, practical, and effective treatment plans.

My goal is simple: to meet you where you are and support you in getting to where you want to be. Your story matters, your goals matter, and you deserve care that meets you with compassion—not judgment.

LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Energetic, Solution-oriented, Warm
Accepts 8 insurance carriers
Dr. Glory Forbi

Dr. Glory Forbi

Psychiatric Mental Health NP

Virtual • Maryland


“I work with people across the life span to help deal with depression, anxiety, PTSD, ETOH abuse, ADHD, Bipolar and more.”
LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Affirming, Holistic, Warm
Accepts 11 insurance carriers

Offers free consultationsView profile and book
Ramonia Morant

Ramonia Morant

Therapist

Virtual & in-person • 29 mi away • Hyattsville, MD


“I'm a therapist who believes in progress, not perfection. With over 10 years of experience working with adults and adolescents...”
LGBTQIA+, Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues
Empowering, Open-minded, Warm
Accepts 13 insurance carriers
Melissa Stephenson

Melissa Stephenson

Therapist

Virtual & in-person • 29 mi away • Largo, MD


“I identify myself to be a "change agent," mental health practitioner, mental health therapist, etc. meets consumer's where they are, implements an individualized multimodal treatment approach...”
LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Open-minded, Participatory
Accepts 9 insurance carriers
Chelsea Jennings

Chelsea Jennings

Therapist

Virtual & in-person • 30 mi away • Chestertown, MD


“Chelsea has received intensive training in Dialectical Behavior Therapy, a treatment program designed for individuals who experience extreme emotions, have difficulty in interpersonal relationships, and engage in impulsive behaviors.”
LGBTQIA+, Anxiety, Depression, End of life care, Family issues
Empowering, Holistic, Open-minded
Accepts 5 insurance carriers
Dr. Heather Cassidy

Dr. Heather Cassidy

Psychologist

Virtual & in-person • Silver Spring, MD


“My training and practice is psychodynamic, which focuses on understanding how you are feeling in the moment, and making connections between your past and present.”
LGBTQIA+, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Challenging, Inquisitive, Warm
Accepts 2 insurance carriers
Lisa Moscatiello

Lisa Moscatiello

Psychologist

Virtual & in-person • Takoma Park, MD


“I am passionate about working with people who may have an intellectual understanding of "why" they feel unhappy, inauthentic, or alienated but have not been able to tap into the aliveness they sense lies within them.”
LGBTQIA+, ADD/ADHD, Anxiety, Cultural & ethnic issues, Depression
Direct, Humorous, Warm
Accepts 6 insurance carriers

Offers free consultationsView profile and book
Hannah Gould

Hannah Gould

Therapist

Virtual & in-person • 24 mi away • Greenbelt, MD


“My basic approach to therapy is cognitive behavioral with a holistic approach. Other modalities include rational-emotive, reality therapy, gestalt, psychodynamic.”
LGBTQIA+, Anxiety, Bipolar disorder, Cultural & ethnic issues, Depression
Affirming, Holistic, Solution-oriented
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Nicole Smith

Nicole Smith

Therapist

Virtual & in-person • Kensington, MD


“I am a clinical social worker and registered play therapist with over 20 years providing direct services to children and families in several different environments...”
LGBTQIA+, Anxiety, Cultural & ethnic issues, Depression, Family issues
Creative, Open-minded, Warm
Accepts 2 insurance carriers

Offers free consultationsView profile and book

About our LGBTQIA+ affirming therapists in Baltimore, MD

Number of therapists serving Baltimore, MD
There are over 653 therapists in Baltimore, MD accepting new patients.
653+
Average years in practice
Watercolor illustration of a bookshelf
9 years
Top specialties offered
Watercolor illustration of specialties
  • 100%LGBTQIA+
  • 98%Anxiety
  • 96%Depression
  • 90%Stress management
  • 84%Trauma
Insurances accepted
Watercolor illustration of insurance cards
  • 99%Aetna
  • 85%Cigna
  • 82%Carelon Behavioral Health
  • 69%CareFirst BlueCross BlueShield
  • 60%Ascension
Languages spoken
Watercolor illustration of languages
  • 99%English
  • 5%Spanish
  • 3%French
  • 1%Yoruba
  • 1%Hindi
How they see their clients
Watercolor illustration of therapy session
  • 91%Online only
  • 9%In-person or online
Provider gender
Watercolor illustration of gender identity
  • 79%Woman
  • 19%Man
  • 2%Non-binary
License types
Watercolor illustration of license
  • 41%Licensed Clinical Social Worker - Clinical
  • 30%Licensed Clinical Professional Counselor
  • 23%Advanced Practice Registered Nurse
  • 4%Clinical Psychologist
  • 2%Licensed Marriage/Family Therapist
Treatment approaches
Watercolor illustration of treatment approach
  • 99%Individual therapy
  • 40%Family therapy
  • 25%Couples therapy
  • 17%Child or adolescent therapy

Frequently asked questions

Therapy Chair

Happy patient looking away

Find the right LGBTQ-friendly therapy provider for you

Headway makes it easier to connect with affirming therapists who understand your identity — from finding the right therapist, to understanding costs, to scheduling with ease.

Factors to Consider When Choosing a LGBTQIA Therapist in Baltimore

Finding LGBTQIA+ therapists in Baltimore starts with identifying care that is explicitly affirming of your identity, relationships, and lived experience. LGBTQIA+-affirming therapy may support concerns related to identity, coming out, gender exploration, relationship stress, family dynamics, anxiety, depression, and trauma. As you compare therapists, look for bios that mention affirmative therapy, WPATH training, gender-diverse experience, LGBTQIA+ populations, or work with queer and trans clients. Finding a therapist who is both clinically trained and affirming can make a meaningful difference in how supported and understood you feel in care.

Baltimore has many mental health care options across neighborhoods like Charles Village, Mount Vernon, Hampden, Federal Hill, and surrounding areas, and a larger market can make it harder to narrow the search. In-person care may work well if you want a local office near home, work, school, or transit. Virtual appointments can also expand access to LGBTQIA+-affirming therapists, especially if the right fit is not nearby. Beyond specialty, consider scheduling flexibility, whether a therapist is accepting new clients, and whether they offer a free phone consultation. Reading profiles before booking can help you understand each therapist’s approach, communication style, and experience with LGBTQIA+ care.

Therapy in Baltimore can be a significant investment without insurance. Using in-network insurance is one of the most reliable ways to reduce session costs and make ongoing care more accessible. Headway helps you search for therapists who match your needs, accept your insurance, and offer clear availability. You can enter your insurance details to see estimated out-of-pocket costs before you book, review therapist bios, and schedule directly when you’re ready.

Find a provider - your way

Use left and right arrow keys to switch tabs. Press Shift+Tab to return to the tab list from links in the selected tab.

1 Cost may vary based on your location, age, and insurance coverage.