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.
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
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