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.
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PhilHealth Contribution Table 2026
5% of monthly basic salary, split equally between employee and employer, with an income floor of ₱10,000 and a ceiling of ₱100,000.
| Monthly Basic Salary | Total Premium | Employee Share | Employer Share |
|---|---|---|---|
| ₱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 |
| ₱55,000 | ₱2,750.00 | ₱1,375.00 | ₱1,375.00 |
| ₱60,000 | ₱3,000.00 | ₱1,500.00 | ₱1,500.00 |
| ₱65,000 | ₱3,250.00 | ₱1,625.00 | ₱1,625.00 |
| ₱70,000 | ₱3,500.00 | ₱1,750.00 | ₱1,750.00 |
| ₱75,000 | ₱3,750.00 | ₱1,875.00 | ₱1,875.00 |
| ₱80,000 | ₱4,000.00 | ₱2,000.00 | ₱2,000.00 |
| ₱85,000 | ₱4,250.00 | ₱2,125.00 | ₱2,125.00 |
| ₱90,000 | ₱4,500.00 | ₱2,250.00 | ₱2,250.00 |
| ₱95,000 | ₱4,750.00 | ₱2,375.00 | ₱2,375.00 |
| ₱100,000 and above | ₱5,000.00 | ₱2,500.00 | ₱2,500.00 |
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.
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, on the remittance schedule PhilHealth assigns to that employer. Employers should confirm their own due date in the Electronic Premium Remittance System (EPRS).
Self-Employed and Voluntary Members
Self-paying contributors pay the full income-based premium within the floor and ceiling.
Use a Statement of Premium Account (SPA) through the Member Portal, SPA Generator, or a PhilHealth office. The April advisory introduced the requirement for self-paying members, including Overseas Filipinos except sea-based workers. The newer Circular 2026-0011, V.B and VIII permits limited, documented flexibility in 2026 for first-time/system or record constraints; payments at accredited collecting agents in DOH-classified Geographically Isolated and Disadvantaged Areas (GIDAs) are exempt. Strict implementation starts January 1, 2027, subject to stated exceptions. Keep the receipt and verify the posted period.
Overseas Filipino Workers (OFWs)
Land-based OFW premiums are income-based, not a flat annual fee: apply 5% to monthly income within the ₱10,000 floor and ₱100,000 ceiling. ₱6,000 is the annual minimum for twelve months at ₱500, not every OFW’s bill. Sea-based workers follow employer–employee sharing. See Circular 2020-0005, V.B–E and Advisory 2026-0042.
Kasambahay (Household Workers)
For a kasambahay earning below ₱5,000, the household employer pays the full premium. At ₱5,000 or above, employer and employee share equally. Circular 2020-0005, V.G sets this exact boundary.
Current rate versus historical schedules
Use the current 5% rate with a ₱10,000 floor and ₱100,000 ceiling for 2026 calculations. Do not apply it retrospectively to arrears. Scheduled increases were sometimes suspended: the January 4, 2023 statement retained both 4% and the ₱80,000 ceiling. Ask PhilHealth for the applicable historical assessment.
What Your PhilHealth Contributions Cover
Filipino members have immediate eligibility; missed premiums do not by themselves bar benefits. Arrears and applicable interest remain payable. Package and provider conditions still apply 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 — primary care benefits, subject to programme and provider requirements; medicine availability is not guaranteed at every clinic.
- 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? PhilHealth coverage is automatic for Filipino citizens under the UHC Act. Direct contributors with capacity to pay have premium obligations, including self-earning individuals; payment is not merely optional because there is no employer. If your income or employment changes, ask PhilHealth to assess and update your membership category.
How do I check if my PhilHealth is active? Check through the PhilHealth Member Portal, call the hotline at (02) 8662-2588, or visit any PhilHealth office.
What is the PhilHealth YAKAP program? YAKAP is PhilHealth’s primary care programme. Check the medicine guide and confirm the covered prescription, dispensing location and availability with your provider; a benefit list is not a promise that every clinic stocks every medicine.
Sources
Current self-paying rule: Circular 2026-0011, V.C preserves benefits despite non-payment; intentional fraud can lead to suspension after due process. Ask PhilHealth to explain any demand or suspension notice; do not assume either that arrears cancel coverage or that a formal notice can be ignored. If you cannot pay, request the social-worker assessment and membership-classification process in V.C.3–5; qualifying financial incapacity can exempt current and outstanding premiums.
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UHC Act: automatic inclusion, contributor categories and immediate eligibility (sections 4–10)
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2026 self-paying SPA requirement and current contact details
Last updated: September 13, 2026. Targeted corrections; broader legacy review remains in progress.