Quick answer: For 2026, the PhilHealth premium rate is 5% of your monthly basic salary, with a ₱10,000 income floor and a ₱100,000 ceiling. That means a minimum premium of ₱500 and a maximum of ₱5,000 per month. Employed members split it 50/50 with their employer, so most employees see ₱250 to ₱2,500 come off their payslip. Voluntary, self-earning and land-based OFW members pay the full premium themselves. Compute your exact premium →
Last updated: 17 October 2026, checked against PhilHealth Advisory No. 2026-0042.
PhilHealth contribution table 2026 (by monthly salary)
Find the row closest to your monthly basic salary. The premium is 5% of your salary, never less than ₱500 and never more than ₱5,000. For salaries between the rows, multiply your salary by 0.05.
| Monthly basic salary (₱) | Total premium (5%) | Employee share (2.5%) | Employer share (2.5%) | Employee share per year |
|---|---|---|---|---|
| 10,000 and below | ₱500 | ₱250 | ₱250 | ₱3,000 |
| 12,000 | ₱600 | ₱300 | ₱300 | ₱3,600 |
| 15,000 | ₱750 | ₱375 | ₱375 | ₱4,500 |
| 18,000 | ₱900 | ₱450 | ₱450 | ₱5,400 |
| 20,000 | ₱1,000 | ₱500 | ₱500 | ₱6,000 |
| 25,000 | ₱1,250 | ₱625 | ₱625 | ₱7,500 |
| 30,000 | ₱1,500 | ₱750 | ₱750 | ₱9,000 |
| 35,000 | ₱1,750 | ₱875 | ₱875 | ₱10,500 |
| 40,000 | ₱2,000 | ₱1,000 | ₱1,000 | ₱12,000 |
| 45,000 | ₱2,250 | ₱1,125 | ₱1,125 | ₱13,500 |
| 50,000 | ₱2,500 | ₱1,250 | ₱1,250 | ₱15,000 |
| 60,000 | ₱3,000 | ₱1,500 | ₱1,500 | ₱18,000 |
| 70,000 | ₱3,500 | ₱1,750 | ₱1,750 | ₱21,000 |
| 80,000 | ₱4,000 | ₱2,000 | ₱2,000 | ₱24,000 |
| 90,000 | ₱4,500 | ₱2,250 | ₱2,250 | ₱27,000 |
| 100,000 and above | ₱5,000 | ₱2,500 | ₱2,500 | ₱30,000 |
Source: PhilHealth Advisory No. 2025-0002 (rate, floor and ceiling) and Advisory No. 2026-0042 (5% reaffirmed for 2026), under PhilHealth Circular No. 2020-0005 (Revision 1) and the Universal Health Care Act (RA 11223).
Earning ₱12,345? Multiply by 5%: ₱617.25 total, about ₱308.63 each. Earning ₱9,000? The floor applies, so you are charged on ₱10,000 and the total is still ₱500.
How the PhilHealth premium is computed
- Start with your Monthly Basic Salary (MBS). This is your fixed basic pay only. It does not include sales commissions, overtime pay, allowances, 13th month pay, bonuses or other gratuities, and it is reduced by pay cut for undertime, tardiness, leave without pay or absences.
- Apply the floor and ceiling: anything at or below ₱10,000 is treated as ₱10,000, and anything at or above ₱100,000 is treated as ₱100,000.
- Multiply by 5% to get the total monthly premium.
- If you are employed, the total is split equally: 2.5% from you, 2.5% from your employer.
Worked example. A senior analyst earns ₱65,000 basic plus ₱8,000 in allowances and ₱12,000 in overtime that month. Only the ₱65,000 counts. Premium: 5% × ₱65,000 = ₱3,250, so ₱1,625 from the employee and ₱1,625 from the employer.
Worked example (floor). A part-time worker earns ₱8,500 a month. The base is lifted to ₱10,000, so the premium is ₱500: ₱250 each if employed.
Who pays what: PhilHealth contribution by member type
| Member type | Who pays | How much |
|---|---|---|
| Employed in a private company or government | Employee and employer 50/50 | 5% of monthly basic salary, ₱500 to ₱5,000 total |
| Sea-based worker | Treated like an employee, shared with the employer | Same 5% schedule |
| Kasambahay earning below ₱5,000 | Employer pays all | ₱500 minimum premium |
| Kasambahay earning ₱5,000 or more | Shared between kasambahay and household employer | Same 5% schedule (₱500 minimum), shared |
| Voluntary or self-earning (freelancer, vendor, small business) | Member pays all | 5% of declared monthly income, ₱500 to ₱5,000 |
| Professional practitioner (doctor, lawyer, CPA) | Member pays all | 5% of declared monthly income |
| Land-based OFW | Member pays all | 5% of monthly income, ₱500 to ₱5,000 |
| Senior citizen or lifetime member | Pays again only if there is regular income | Follows the membership type of that income |
| Person with disability (PWD) | Government pays the PWD’s share (RA 11228); for employed PWDs the employer and the government split the cost | Same 5% schedule |
The PhilHealth explainer for Circular 2020-0005 (Revision 1), the source of the table above, also covers family drivers and dependents. If you are not sure which type you are, ask your HR or your nearest PhilHealth office before you pay.
Voluntary, self-employed and OFW: monthly, quarterly or yearly payment
Self-paying members decide how often to pay. PhilHealth Advisory 2026-0042 allows payment monthly, quarterly, semi-annually or annually through PhilHealth-accredited collecting agents, at home or abroad.
| Monthly income | Monthly | Quarterly (3 months) | Semi-annual (6 months) | Annual (12 months) |
|---|---|---|---|---|
| ₱10,000 or below | ₱500 | ₱1,500 | ₱3,000 | ₱6,000 |
| ₱20,000 | ₱1,000 | ₱3,000 | ₱6,000 | ₱12,000 |
| ₱30,000 | ₱1,500 | ₱4,500 | ₱9,000 | ₱18,000 |
| ₱50,000 | ₱2,500 | ₱7,500 | ₱15,000 | ₱30,000 |
| ₱100,000 or above | ₱5,000 | ₱15,000 | ₱30,000 | ₱60,000 |
The ₱500, ₱30,000 and ₱100,000 rows come straight from the PhilHealth advisory; the other rows apply the same 5% rule. To prove income, self-earning members can use a BIR-received income tax return, financial records, an employment contract (for OFWs) or income declared in the PhilHealth Member Registration Form.
How PhilHealth is deducted from your payslip
Your employer deducts your share from your pay and remits the total (your half plus theirs) to PhilHealth. The amount is the same every month as long as your basic salary is the same.
Many companies take the deduction in one go on a single cut-off. Others split it across both cut-offs in the month. That is company policy, not a PhilHealth rule, so check your payslip. For a ₱30,000 salary, the monthly ₱750 employee share is either ₱750 on one cut-off or ₱375 on each of two. If you want to see how PhilHealth fits next to SSS, Pag-IBIG and withholding tax in your take-home pay, use the salary calculator.
What changed in 2026 (compared with 2024 and 2025)
The rate did not change. The premium has been 5% with a ₱10,000 floor and a ₱100,000 ceiling since January 2024, and PhilHealth restated it for 2025 (Advisory 2025-0002) and again in 2026 (Advisory 2026-0042). For reference, the Universal Health Care schedule in Circular 2020-0005 (Revision 1) phased the rate in from 2.75% in 2019 to 5% in 2024:
| Year | Rate | Income floor | Income ceiling |
|---|---|---|---|
| 2022 | 4.0% | ₱10,000 | ₱80,000 |
| 2023 | 4.5% | ₱10,000 | ₱90,000 |
| 2024 | 5.0% | ₱10,000 | ₱100,000 |
| 2025 | 5.0% | ₱10,000 | ₱100,000 |
| 2026 | 5.0% | ₱10,000 | ₱100,000 |
This is the published schedule, not a record of what every member was charged each year, because PhilHealth suspended the scheduled 2021 increase. The published schedule stops at 5%, so older articles that still quote 4% or 4.5% are out of date.
What did change in 2026 is how self-paying members pay. Under PhilHealth Circular 2026-0011 (self-paying members under the UHC Act):
- A Statement of Premium Account (SPA) is generated automatically on the first day of each month for unpaid months from January 2026, and payments must match the SPA. PhilHealth Advisory 2026-0016 (February 2026) announced the “No SPA, No Payment” rule for self-paying members. You can get your SPA from the PhilHealth Member Portal or the eGovPH app.
- You may pay any number of months, but the whole calendar year must be settled by December 31. There is a one-month grace period until January 31 of the next year with no interest.
- After that, unpaid balances accrue interest, compounded monthly, of not more than 1.5%.
- Failing to pay does not remove your right to benefits, but you still owe the missed premiums with interest. If you cannot afford to pay, the circular points you to a social-worker assessment for financial incapacity.
PhilHealth also issued circulars in 2026 on interest waivers for missed contributions (2026-0001 for employers and 2026-0010 for self-paying members), and on coverage of persons with disability (2026-0017) and solo parents (2026-0015). Ask PhilHealth or HR whether any of them applies to you.
What your PhilHealth contribution gets you
Premiums fund your inpatient case rates, outpatient primary-care benefits under the YAKAP program, and other benefits for you and your qualified dependents. Your declared dependents include a legal spouse who is not an active member, unmarried children up to 20 years old, and parents aged 60 and above who are not members. A missed payment does not stop you from claiming benefits, but you remain liable for the missing premiums.
Common questions about the table
“My salary is ₱13,500. Which row do I use?” There is no row for every salary. Multiply by 5%: ₱675 total, ₱337.50 each. The table rows are samples; the calculator does the exact math.
“I earn more than ₱100,000. Do I pay more?” No. The ceiling caps the premium at ₱5,000 (₱2,500 for the employee).
“Why did my PhilHealth deduction not change when I got a raise?” Either you are already at the ceiling, or your raise is in allowances or overtime rather than in basic pay, which PhilHealth does not count.
Related tools and guides
- PhilHealth Contribution Calculator for your exact premium by member type and pay frequency.
- Pag-IBIG contribution table 2026 for the third mandatory contribution.
- SSS Contribution Table 2026 and the SSS Contribution Calculator.
- Government IDs for your first job: how to get your TIN, SSS number, PhilHealth PIN and Pag-IBIG MID.
- Withholding tax explained to see how your contributions reduce taxable pay.
Comparing all your mandatory deductions? See the SSS contribution table 2026 and the Pag-IBIG contribution table.
Sources: PhilHealth Advisory No. 2026-0042 (premium contributions, signed 21 July 2026), PhilHealth Advisory No. 2025-0002 (rate, floor and ceiling, definition of Monthly Basic Salary), PhilHealth Circular 2020-0005 Rev. 1 explainer (schedule, kasambahay, self-earning, senior and lifetime members), and PhilHealth Circular 2026-0011 (self-paying members). For estimation only. Confirm with PhilHealth or your HR department.