PhilHealth Contribution Calculator 2025-2026
Calculate your monthly PhilHealth contribution based on salary. 2025 rate: 5% with P10,000 floor and P100,000 ceiling. Free calculator for employees.
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Enter your gross monthly basic salary
How PhilHealth Contributions Work in 2025
PhilHealth (Philippine Health Insurance Corporation) provides universal health coverage for Filipinos. All employed, self-employed, and voluntary members contribute based on their monthly income, with benefits covering hospitalization, outpatient care, and more.
2025 Rate: The PhilHealth premium rate remains at 5%
of monthly basic salary, as mandated by the Universal Health Care Act (RA 11223).
The income ceiling is ₱100,000.
2025 PhilHealth Contribution Parameters
| Parameter | Value |
|---|---|
| Premium Rate | 5% of Monthly Basic Salary |
| Income Floor | ₱10,000 |
| Income Ceiling | ₱100,000 |
| Minimum Contribution | ₱500/month (₱250 each for EE/ER) |
| Maximum Contribution | ₱5,000/month (₱2,500 each for EE/ER) |
| Sharing Ratio | 50% Employee / 50% Employer |
Sample PhilHealth Contribution Table
| Monthly Salary | Total Premium (5%) | Employee Share | Employer Share |
|---|---|---|---|
| ₱10,000 or below | ₱500.00 | ₱250.00 | ₱250.00 |
| ₱15,000 | ₱750.00 | ₱375.00 | ₱375.00 |
| ₱20,000 | ₱1,000.00 | ₱500.00 | ₱500.00 |
| ₱30,000 | ₱1,500.00 | ₱750.00 | ₱750.00 |
| ₱50,000 | ₱2,500.00 | ₱1,250.00 | ₱1,250.00 |
| ₱100,000 or above | ₱5,000.00 | ₱2,500.00 | ₱2,500.00 |
Who Pays PhilHealth Contributions?
- Employed Members: Contribution is shared equally (50-50) between employee and employer
- Self-Employed: Pay the full 5% contribution themselves
- Voluntary Members: Pay the full 5% based on declared income
- OFWs: Pay full contribution based on declared income (minimum ₱12,000/year)
- Kasambahay: Employer pays full contribution if salary is ₱5,000 or below
- Senior Citizens: Government-subsidized (no contribution required)
PhilHealth Benefits Coverage
Your contributions entitle you and your dependents to various benefits:
- Inpatient Care: Room and board, drugs and medicines, operating room fees
- Outpatient Care: Consultations, laboratory tests, minor surgeries
- Z Benefits: Coverage for catastrophic illnesses (cancer, kidney disease, etc.)
- Primary Care Benefits: Preventive services, check-ups, vaccinations
- Maternity Package: Pre-natal, delivery, and post-natal care
How to Pay PhilHealth Contributions
Generate a Statement of Premium Account (SPA) through the PhilHealth Member Portal, then pay via accredited banks, payment centers, GCash, Maya, or online banking.
Frequently Asked Questions
What is the PhilHealth contribution rate for 2025?
The PhilHealth contribution rate for 2025 is 5% of your Monthly Basic Salary. This is shared equally between employee and employer, with each paying 2.5%. Self-employed and voluntary members pay the full 5%.
What is the minimum and maximum PhilHealth contribution for 2025?
The minimum monthly contribution is ₱500 (based on ₱10,000 income floor), with employee paying ₱250. The maximum is ₱5,000 (based on ₱100,000 income ceiling), with employee paying ₱2,500.
How is PhilHealth contribution calculated?
PhilHealth contribution is calculated as 5% of your Monthly Basic Salary. If your salary is below ₱10,000, the computation uses ₱10,000 as the base. If above ₱100,000, it's capped at ₱100,000. The result is split 50-50 between employee and employer.
Do OFWs pay the same PhilHealth contribution rate?
Yes, OFWs pay the same 5% rate based on their declared monthly income. However, OFWs pay the full contribution themselves since they have no local employer. The minimum annual contribution for OFWs is ₱12,000.
Are senior citizens required to pay PhilHealth contributions?
No, senior citizens and lifetime members are exempt from paying PhilHealth contributions. Their premiums are subsidized by the government under the Universal Health Care Act.