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In the U.S., most mental health services are provided by independent helping professionals, individually deciding where to operate, whom to treat, and in which insurance networks to participate. In making such decisions, these market actors often navigate conflicts between financial, professional, and moral/prosocial considerations. This article investigates the phenomenon of psychiatrist opt-out from Medicaid and Medicare, aiming to elucidate how social contexts influence such decisions. Assembling a census of all licensed Georgia psychiatrists and, assisted by a telephone audit, leveraging granular data about the environment in which each clinician operates, findings show that limits to helping in the form of opt-out from public insurance systematically correspond to the social ecologies in which psychiatrists are embedded—with their prospective clientele, and local peers. Evidence of alignment between insurance participation and population needs, when financially justified, and of spatially-dependent monopolistic behavior underscore the power of local social conditions in shaping the balance actors negotiate between market and normative pressures. In the context of the ongoing mental health crisis, where demand for psychiatric care far exceeds supply, understanding how local contexts affect the countervailing pressures that helping professionals face and their opt-out decisions is crucial. In the aggregate, these individually-decided yet ecologically-shaped limits to helping impact the availability of mental health services to some of society’s most disadvantaged populations, meaningfully shaping the contours of the crisis.