PhilHealth Contribution Table 2026: Monthly Premiums for All Salary Levels
PhilHealth Contribution Table 2026 with 5% rate. See your exact monthly premium based on salary. Income floor P10,000, ceiling P100,000. Same rates as 2025.
The PhilHealth Contribution Table for 2026 remains the same as 2025. The premium rate stays at 5% of monthly basic salary, with an income floor of ₱10,000 and ceiling of ₱100,000. For employed members, the contribution is split equally between employee and employer.
Use our PhilHealth Contribution Calculator to instantly compute your exact premium.
PhilHealth Contribution Table 2026
| Monthly Basic Salary | Total Monthly Premium | Employee Share (2.5%) | Employer Share (2.5%) |
|---|---|---|---|
| ₱10,000 and below | ₱500.00 | ₱250.00 | ₱250.00 |
| ₱11,000 | ₱550.00 | ₱275.00 | ₱275.00 |
| ₱12,000 | ₱600.00 | ₱300.00 | ₱300.00 |
| ₱13,000 | ₱650.00 | ₱325.00 | ₱325.00 |
| ₱14,000 | ₱700.00 | ₱350.00 | ₱350.00 |
| ₱15,000 | ₱750.00 | ₱375.00 | ₱375.00 |
| ₱16,000 | ₱800.00 | ₱400.00 | ₱400.00 |
| ₱17,000 | ₱850.00 | ₱425.00 | ₱425.00 |
| ₱18,000 | ₱900.00 | ₱450.00 | ₱450.00 |
| ₱19,000 | ₱950.00 | ₱475.00 | ₱475.00 |
| ₱20,000 | ₱1,000.00 | ₱500.00 | ₱500.00 |
| ₱25,000 | ₱1,250.00 | ₱625.00 | ₱625.00 |
| ₱30,000 | ₱1,500.00 | ₱750.00 | ₱750.00 |
| ₱35,000 | ₱1,750.00 | ₱875.00 | ₱875.00 |
| ₱40,000 | ₱2,000.00 | ₱1,000.00 | ₱1,000.00 |
| ₱45,000 | ₱2,250.00 | ₱1,125.00 | ₱1,125.00 |
| ₱50,000 | ₱2,500.00 | ₱1,250.00 | ₱1,250.00 |
| ₱60,000 | ₱3,000.00 | ₱1,500.00 | ₱1,500.00 |
| ₱70,000 | ₱3,500.00 | ₱1,750.00 | ₱1,750.00 |
| ₱80,000 | ₱4,000.00 | ₱2,000.00 | ₱2,000.00 |
| ₱90,000 | ₱4,500.00 | ₱2,250.00 | ₱2,250.00 |
| ₱100,000 and above | ₱5,000.00 | ₱2,500.00 | ₱2,500.00 |
2026 PhilHealth Rates at a Glance
| Parameter | Value |
|---|---|
| Premium Rate | 5% of monthly basic salary |
| Income Floor | ₱10,000 |
| Income Ceiling | ₱100,000 |
| Employee-Employer Split | 50-50 (2.5% each) |
| Minimum Monthly Premium | ₱500 |
| Maximum Monthly Premium | ₱5,000 |
How to Compute Your PhilHealth Contribution
The formula is straightforward:
Total Monthly Premium = Monthly Basic Salary × 5%
Your Share (Employee) = Total Monthly Premium ÷ 2
Quick Examples
Earning ₱18,000/month:
- Total premium: ₱18,000 × 5% = ₱900
- Your payroll deduction: ₱450
- Employer pays: ₱450
Earning ₱8,000/month (below floor):
- Use floor of ₱10,000
- Total premium: ₱10,000 × 5% = ₱500
- Your payroll deduction: ₱250
- Employer pays: ₱250
Earning ₱150,000/month (above ceiling):
- Use ceiling of ₱100,000
- Total premium: ₱100,000 × 5% = ₱5,000
- Your payroll deduction: ₱2,500
- Employer pays: ₱2,500
For more computation details and payment methods, see our full PhilHealth Contribution Guide.
Contributions by Member Type
Employed Members
The employer deducts the employee’s 2.5% share from salary and remits the full 5% to PhilHealth. Payment is due by the 15th of the following month.
Self-Employed and Voluntary Members
Pay the full 5% based on declared monthly income. Payment can be made monthly, quarterly, semi-annually, or annually through banks, Bayad Center, SM, GCash, Maya, or PhilHealth offices.
Overseas Filipino Workers (OFWs)
Land-based OFWs pay an annual premium of ₱6,000 (₱500/month). Sea-based OFWs follow the salary-based rate. Payment can be made through overseas remittance centers or online.
Kasambahay (Household Workers)
If monthly salary is ₱5,000 or below, the employer pays the full contribution. Above ₱5,000, the standard 50-50 split applies.
PhilHealth Premium Rate History
| Year | Premium Rate | Income Ceiling |
|---|---|---|
| 2019 | 2.75% | ₱50,000 |
| 2020 | 3.00% | ₱60,000 |
| 2021 | 3.50% | ₱70,000 |
| 2022 | 4.00% | ₱80,000 |
| 2023 | 4.00%* | ₱90,000 |
| 2024 | 5.00% | ₱100,000 |
| 2025-2026 | 5.00% | ₱100,000 |
*The 4.50% rate scheduled for 2023 was suspended by the President.
What Your PhilHealth Contributions Cover
As an active PhilHealth member, you and your dependents are entitled to:
- Inpatient benefits — hospital admissions and confinements
- Outpatient benefits — day surgeries and procedures
- Z-Benefits — coverage for catastrophic conditions (cancer, kidney disease, etc.)
- YAKAP Program — free primary care including 75 medicines, 13 lab tests, and 6 cancer screening tests
- Maternity benefits — normal and cesarean deliveries
Frequently Asked Questions
Are PhilHealth rates increasing in 2026? No. The 5% rate and ₱100,000 income ceiling remain the same as 2025. No new rate adjustments have been announced for 2026.
What is the minimum PhilHealth contribution in 2026? ₱500 per month (based on the income floor of ₱10,000). Your share as an employee is ₱250.
What is the maximum PhilHealth contribution in 2026? ₱5,000 per month (based on the income ceiling of ₱100,000). Your share as an employee is ₱2,500.
Is PhilHealth mandatory? Yes, PhilHealth is mandatory for all employed Filipinos under the Universal Health Care Law (RA 11223). Self-employed and voluntary members are encouraged to contribute for continued coverage.
How do I check if my PhilHealth is active? Check through the PhilHealth Member Portal, call the hotline at (02) 8441-7442, or visit any PhilHealth office.
What is the PhilHealth YAKAP program? YAKAP is PhilHealth’s enhanced primary care program offering 75 free medicines, 13 lab tests, and 6 cancer screening tests at accredited clinics. Read our YAKAP Program Guide for details.
Sources
Last Updated: February 2026