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PhilHealth Contribution 2026: Rates, Table and How to Compute Yours

See how much you or your employees pay each month, with a contribution table, a calculator and worked examples for every member type.
✓ Last reviewed: [DATE]8 min readIndependent guide
2026 premium
Direct contributors
of monthly basic income
0 %
Floor
₱10,000
Ceiling
₱100,000
Quick answer
The PhilHealth contribution 2026 rate is 5% of monthly basic income, computed on an income floor of ₱10,000 and a ceiling of ₱100,000. The total monthly premium is therefore between ₱500 and ₱5,000. Employers and employees split it equally (2.5% each), while self-employed members pay all of it.†

PhilHealth contribution calculator

Type your monthly basic income to see your 2026 premium and how it is shared. The floor and ceiling are applied automatically.
PhilHealth 2026 premium calculator
Rate 5%, income floor 10,000, ceiling 100,000. Verify current rules with PhilHealth.
Income used25,000
Total monthly premium1,250
You pay (employee share)625
Employer pays625
Premium rate
0 %
Income floor
₱ 0
Income ceiling
₱ 0
Maximum monthly premium
₱ 0

PhilHealth contribution table 2026

This table applies the 5% premium rate to common monthly basic incomes. Employed members pay the employee share; employers pay the same amount; self-earning members pay the total.†
Monthly basic incomeTotal premiumEmployee share (2.5%)Employer share (2.5%)
₱10,000 and below₱500₱250₱250
₱15,000₱750₱375₱375
₱20,000₱1,000₱500₱500
₱25,000₱1,250₱625₱625
₱30,000₱1,500₱750₱750
₱40,000₱2,000₱1,000₱1,000
₱50,000₱2,500₱1,250₱1,250
₱60,000₱3,000₱1,500₱1,500
₱75,000₱3,750₱1,875₱1,875
₱100,000 and above₱5,000₱2,500₱2,500

How PhilHealth contribution computation works

The formula has three steps:
  1. 1Find your monthly basic income. This is your basic salary or, for self-earning members, your declared monthly income.
  2. 2Apply the floor and ceiling. Income below ₱10,000 is treated as ₱10,000, and income above ₱100,000 is treated as ₱100,000.
  3. 3Multiply by 5%. The result is the total monthly premium. Employed members split it 50/50.
Example: an employee earning ₱32,000 basic salary has a total premium of ₱1,600. The employee pays ₱800 and the employer pays ₱800.
Allowances, overtime, bonuses and 13th-month pay are generally not part of basic salary. Confirm with your payroll team how your company computes it.†

PhilHealth employee share and employer share explained

Employed members

The premium is split equally. The employee’s 2.5% is deducted from salary and the employer adds the other 2.5%.

Self-employed members

You pay the whole 5% based on your declared income, within the same floor and ceiling.

Kasambahay and family drivers

The employer pays the premium. The worker only declares the actual monthly income.†
Employers can learn how to remit in the PhilHealth employer guide.

PhilHealth contribution for self-employed and voluntary members

  • ✓Your premium is 5% of your declared monthly income, from ₱500 up to ₱5,000 a month.
  • ✓You can usually pay monthly, in advance for several months, or for a longer period through the Member Portal payment module. The maximum advance window has been cited as three years.†
  • ✓Late payments may carry interest depending on your member category, so pay before your due date.†
  • ✓Keep your income declaration realistic. It also determines the proof PhilHealth may ask you for. See the documents you need.

PhilHealth contribution for OFWs

Employed sea-based workers’ premiums are based on salary and usually handled through the manning agency. Land-based OFWs and other overseas workers pay as direct contributors based on declared income, through accredited local or overseas collecting channels.†
  • ✓Contract-expired OFWs who are unemployed while home should update their category and pay according to the income floor.†
  • ✓Missed months may be paid with interest, so do not leave gaps.†

Who does not pay PhilHealth contributions?

Some members are covered by law or sponsored by government, so they do not pay premiums themselves:†
  • Senior citizens, under Republic Act 10645
  • Persons with disability, under Republic Act 11228
  • Indigent and other sponsored members enrolled by an LGU or national program
  • Lifetime members who have completed the required contributions

PhilHealth minimum and maximum contribution

Monthly premiumEmployee shareEmployer share
PhilHealth minimum contribution₱500₱250₱250
PhilHealth maximum contribution₱5,000₱2,500₱2,500
Because of the ceiling, someone earning ₱250,000 a month still pays the same ₱5,000 premium as someone earning ₱100,000.

PhilHealth premium rate by year

The Universal Health Care Act phased in the premium rate over several years. Recent steps were:†
YearPremium rateIncome floorIncome ceiling
20224%₱10,000₱80,000
20234.5%₱10,000₱90,000
20245%₱10,000₱100,000
20255%₱10,000₱100,000
20265%₱10,000₱100,000
Once you know your PhilHealth contribution 2026 amount, do three things: confirm it posts, pay on time and keep proof.

PhilHealth contribution computation: five worked examples

WhoMonthly basic incomeComputationResult
Entry-level employee₱12,00012,000 × 5% = 600Employee ₱300, employer ₱300
Employee below the floor₱8,500Use 10,000 × 5% = 500Employee ₱250, employer ₱250
Manager₱85,00085,000 × 5% = 4,250Employee ₱2,125, employer ₱2,125
Executive above the ceiling₱160,000Cap at 100,000 × 5% = 5,000Employee ₱2,500, employer ₱2,500
Freelancer declaring ₱22,000₱22,00022,000 × 5% = 1,100Freelancer pays ₱1,100 a month
For a self-paying member, multiply the monthly premium by the number of months you want to settle. Paying for a full quarter at ₱1,100 a month, for example, comes to ₱3,300.

How payroll teams apply the PhilHealth contribution

  • ✓Use basic monthly salary as the base and check your company policy on allowances and pay for absences.
  • ✓Update salary changes and promotions as soon as they take effect, because the premium bracket follows income.
  • ✓Deduct the employee share every payroll period or as your policy schedules, and remit both shares by the due date.
  • ✓Reconcile posted contributions in employees’ records regularly. See the PhilHealth employer guide.

Government employees, kasambahay and other groups

Government employees are covered through their agencies, which remit the government’s share and the employee share. Kasambahay and family drivers are covered through their employers, and the member only declares actual income.† Members who are sponsored, senior citizens or persons with disability do not compute a personal premium.

How to verify that your contribution is posted

  1. 1Log in to the Member Portal. See PhilHealth login.
  2. 2Open your contribution history and compare each month with your payslip or receipt.
  3. 3If a month is missing, send your proof of payment and PIN to your employer (if employed) or to PhilHealth.
  4. 4Keep screenshots and receipts until every payment appears.

Contribution mistakes to avoid

  • Using an outdated rate or ceiling
  • Counting bonuses and allowances in the base without confirming the rule
  • Paying the total premium when you are employed and already deducted
  • Skipping months and letting interest build
  • Not updating your income declaration when it changes

What your PhilHealth contribution pays for

Contributions fund the National Health Insurance Program and support your coverage for inpatient care, primary care, maternity and high-cost illnesses. Each benefit has rules, so read the PhilHealth benefits guide to see how your record turns into hospital support.
In short, the PhilHealth contribution 2026 schedule keeps your membership active, and steady payments make it easier for hospitals to verify your record.

PhilHealth contribution 2026 for freelancers: an example

A freelancer who earns about ₱35,000 in a typical month and declares that amount pays 35,000 × 5% = ₱1,750 a month. Paying six months at once is ₱10,500. If income is irregular, declare a realistic monthly average supported by your documents, and update it when it changes.†

What if you have more than one job?

Each employer deducts and remits the premium based on the pay it gives you, which can result in multiple contributions in the same month. Contributions are credited to your single PIN. Ask HR or PhilHealth how overlapping contributions are treated in your case.†

Frequently misunderstood points

  • ✓The 5% is the total, not each side’s rate. Employees pay 2.5% and employers pay 2.5%.
  • ✓The ceiling caps the amount. It does not mean you stop paying above ₱100,000.
  • ✓The floor applies even if you earn less than ₱10,000.
  • ✓Your premium bracket follows your income, so it can change with a raise or a promotion.

PhilHealth contribution: common questions

5% of monthly basic income, split equally between employer and employee for employed members.†

₱500 a month in total, because income below ₱10,000 is treated as ₱10,000.

₱5,000 a month in total, because income above ₱100,000 is capped.

Generally no. Only basic salary is used, though your payroll policy defines the exact base.

Self-paying members can generally pay several months or more in advance. See the payment guide for the steps.

Each employer reports and remits separately, so check your records in the portal and ask HR if totals look too high.

Verify before you act. Rates, forms and procedures change. Details marked † should be confirmed on philhealth.gov.ph. This site cannot access or change your account.
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Independent guide. Not affiliated with PhilHealth. Official services: philhealth.gov.ph

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