PhilHealth Contribution Calculator 2026
Calculate your monthly PhilHealth contribution based on salary. 2026 rate: 5% with P10,000 floor and P100,000 ceiling. Free calculator for employees.
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Enter fixed monthly basic salary, or monthly income for self-paying members. Exclude bonuses and allowances from an employee's basic salary. This tool does not assess subsidies or special PWD sharing.
How PhilHealth Contributions Work in 2026
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.
2026 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: Land-based workers pay the full income-based premium; sea-based workers share equally with their employer.
- Kasambahay: Employer pays full contribution if salary is below ₱5,000
- Senior citizens and lifetime members: Regular income can require resumed premium payments; confirm your category with PhilHealth.
PhilHealth Benefits Coverage
Membership covers you and your qualified dependents for benefits including the following. Actual coverage depends on the benefit package, the facility's accreditation, and PhilHealth's rules for each case — confirm entitlement with PhilHealth or the accredited facility before relying on it:
- 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 use the payment channel available for that SPA. This applies to self-paying members, including Overseas Filipinos except sea-based workers. Circular 2026-0011 permits limited documented flexibility during 2026 and exempts payments at accredited collecting agents in DOH-classified Geographically Isolated and Disadvantaged Areas (GIDAs); strict implementation begins January 1, 2027 subject to stated exceptions.
Sources: Circular 2020-0005, V.B–G; 2026 OFW premium advisory; SPA payment rules; current self-paying coverage and SPA exceptions.