PhilHealth Contribution Guide 2026: Rates, Payment & Computation
Complete guide to PhilHealth contributions for 2026. Learn the 5% rate, income floor and ceiling, how to compute your share, and payment methods.
Understanding your PhilHealth contribution is essential for maintaining active health insurance coverage in the Philippines. Whether you’re an employee, self-employed, or a voluntary member, knowing how much you need to pay helps you budget properly and ensures continued access to healthcare benefits.
This guide covers everything you need to know about PhilHealth contributions in 2026.
PhilHealth Contribution Rate 2026
As of January 2025 and continuing into 2026, the PhilHealth premium contribution rate is fixed at 5% of monthly basic salary or declared income.
This rate applies to all direct contributors including employed members, self-employed members, voluntary members, and overseas Filipino workers (OFWs).
The 5% rate was reached following gradual increases mandated by the Universal Health Care Law (RA 11223), which required the rate to increase by 0.5% annually starting from 2.75% in 2019.
Income Floor and Ceiling
PhilHealth contributions are computed based on your monthly basic salary, subject to minimum and maximum limits.
The Income Floor is P10,000. This is the minimum salary base for contribution computation. Even if your actual salary is lower than P10,000, your contribution is calculated based on P10,000.
The Income Ceiling is P100,000. This is the maximum salary base for contribution computation. If your salary exceeds P100,000, your contribution is still calculated based on only P100,000.
PhilHealth Contribution Table 2026
Here’s the complete contribution table for 2026:
| Monthly Basic Salary | Premium Rate | Total Monthly Premium | Employee Share | Employer Share |
|---|---|---|---|---|
| P10,000 and below | 5% | P500.00 | P250.00 | P250.00 |
| P15,000 | 5% | P750.00 | P375.00 | P375.00 |
| P20,000 | 5% | P1,000.00 | P500.00 | P500.00 |
| P25,000 | 5% | P1,250.00 | P625.00 | P625.00 |
| P30,000 | 5% | P1,500.00 | P750.00 | P750.00 |
| P40,000 | 5% | P2,000.00 | P1,000.00 | P1,000.00 |
| P50,000 | 5% | P2,500.00 | P1,250.00 | P1,250.00 |
| P75,000 | 5% | P3,750.00 | P1,875.00 | P1,875.00 |
| P100,000 and above | 5% | P5,000.00 | P2,500.00 | P2,500.00 |
Minimum monthly contribution: P500 (for salaries P10,000 and below) Maximum monthly contribution: P5,000 (for salaries P100,000 and above)
Employee vs Employer Share
For employed PhilHealth members, the contribution is split equally (50-50) between the employee and employer.
The employee share is 2.5% of monthly basic salary, which is deducted from your paycheck.
The employer share is 2.5% of monthly basic salary, which is paid by the company on top of your salary.
For example, if your monthly salary is P30,000, the total PhilHealth premium is P1,500. You pay P750 (deducted from salary), and your employer pays P750.
How to Compute Your PhilHealth Contribution
Follow these steps to calculate your PhilHealth contribution:
Step 1: Identify Your Monthly Basic Salary
Use only the fixed basic salary stated in your employment contract. Exclude overtime pay, allowances, bonuses, and commissions.
Step 2: Apply the Floor and Ceiling
If your salary is below P10,000, use P10,000 as the base. If your salary is above P100,000, use P100,000 as the base.
Step 3: Multiply by 5%
Total Monthly Premium = Monthly Basic Salary × 5%
Step 4: Divide by 2
Your Share = Total Monthly Premium ÷ 2
Computation Examples
Example 1: Salary of P18,000
- Total Premium: P18,000 × 5% = P900
- Your Share: P900 ÷ 2 = P450
- Employer Share: P450
Example 2: Salary of P8,000 (below floor)
- Use floor of P10,000
- Total Premium: P10,000 × 5% = P500
- Your Share: P500 ÷ 2 = P250
- Employer Share: P250
Example 3: Salary of P120,000 (above ceiling)
- Use ceiling of P100,000
- Total Premium: P100,000 × 5% = P5,000
- Your Share: P5,000 ÷ 2 = P2,500
- Employer Share: P2,500
Payment Methods for Different Member Types
Employed Members
For employed members, contributions are automatically deducted from salary. The employer handles the computation, deduction, and remittance. Payment is due on the 15th and last day of each month.
Self-Employed and Voluntary Members
Self-employed and voluntary members can pay through accredited banks such as Land Bank, DBP, and commercial banks. They can also pay at payment centers including Bayad Center and SM Bills Payment. Online payments through GCash and Maya e-wallets are available, as is direct payment at PhilHealth offices.
Payment can be made monthly, quarterly, semi-annually, or annually.
Overseas Filipino Workers (OFWs)
Land-based OFWs have an annual premium of P6,000 (P500/month). Sea-based OFWs follow the salary-based rate similar to employed members. Payment can be made through overseas remittance centers, PhilHealth-accredited collecting agents abroad, online payment facilities, or in advance for 2-5 years depending on contract.
Kasambahay (Household Workers)
If monthly salary is P5,000 or below, the employer pays the full contribution. If monthly salary is above P5,000, the standard 50-50 sharing applies.
Payment Deadlines
For employers: Contributions are due within the applicable remittance schedule, typically by the 15th of the following month.
For individual paying members: Contributions should be paid regularly to maintain active status. You’re considered active if you have at least 3 monthly contributions within the last 6 months, or 9 monthly contributions within the last 12 months.
Premium Rate History
The PhilHealth contribution rate has gradually increased under the Universal Health Care Law:
| Year | Premium Rate | Income Ceiling |
|---|---|---|
| 2019 | 2.75% | P50,000 |
| 2020 | 3.00% | P60,000 |
| 2021 | 3.50% | P70,000 |
| 2022 | 4.00% | P80,000 |
| 2023 | 4.00%* | P90,000 |
| 2024-2025 | 5.00% | P100,000 |
*The 4.50% rate scheduled for 2023 was suspended by the President.
Benefits of Regular Contributions
Keeping your PhilHealth contributions updated ensures access to inpatient benefits for hospital admissions, outpatient benefits for day surgeries and procedures, Z-Benefits for catastrophic conditions like cancer and kidney disease, the Konsulta Package for primary care consultations, and maternity benefits for childbirth.
Frequently Asked Questions
1. What happens if I miss PhilHealth payments?
If you miss payments, your membership may become inactive. You’ll need to pay at least 3 monthly contributions within the last 6 months before confinement or 9 monthly contributions within the last 12 months to use your benefits. You won’t face penalties, but you can’t claim benefits until you’re active again.
2. How do I know if my PhilHealth is active?
You can check your contribution status through the PhilHealth Member Portal online, by calling the PhilHealth hotline, by visiting any PhilHealth office, or through the PhilHealth Express app.
3. Is PhilHealth mandatory for employees?
Yes, PhilHealth coverage is mandatory for all employed Filipinos. Employers are required by law to register employees and remit contributions. Self-employed and voluntary members may choose to contribute, though the Universal Health Care Law aims for universal coverage.
4. Can I pay PhilHealth contributions in advance?
Yes, you can pay contributions in advance. This is especially useful for OFWs who can pay for multiple years corresponding to their overseas contract period. Individual paying members can also pay quarterly, semi-annually, or annually.
5. What’s the difference between PhilHealth premium and contribution?
PhilHealth “premium” and “contribution” refer to the same thing: the amount you pay to maintain your health insurance coverage. The terms are used interchangeably by PhilHealth.
Sources
- PhilHealth Contribution Table
- PhilHealth Advisory No. 2025-0002
- Universal Health Care Law (RA 11223)
Last Updated: December 2025