PhilHealth Contribution Calculator (Philippines 2026)
Your PhilHealth premium for 2026 is 5% of your monthly basic salary, between a ₱500 floor and a ₱5,000 ceiling. Employed members split it 50/50 with their employer.
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Your PhilHealth Premium
Enter your salary to see your PhilHealth premium
How your PhilHealth premium is computed
Under the Universal Health Care Act (RA 11223), the 2026 premium is 5% of your monthly basic salary, but only within an income floor and ceiling:
Earn ₱10,000 or less
Fixed ₱500
flat minimum premium
Earn ₱10,000–₱100,000
5% of salary
most employees are here
Earn ₱100,000 or more
Fixed ₱5,000
flat maximum premium
If you're employed, the premium is split 50/50: you pay half, your employer pays the other half. Voluntary, self-employed and land-based OFW members pay the full premium themselves. A kasambahay earning below ₱5,000 is paid for entirely by the household employer.
Worked example: ₱30,000/month employee
PhilHealth premium at a glance
Three reference points: the premium stays flat below ₱10,000 and above ₱100,000, and grows by ₱50 for every extra ₱1,000 of salary in between. For every salary level, see the full PhilHealth contribution table 2026.
| Monthly salary (₱) | Total premium | Employee | Employer |
|---|---|---|---|
| 10,000 and below | ₱500.00 | ₱250.00 | ₱250.00 |
| 30,000 | ₱1,500.00 | ₱750.00 | ₱750.00 |
| 100,000 and above | ₱5,000.00 | ₱2,500.00 | ₱2,500.00 |
Source: PhilHealth Advisory No. 2026-0042 (signed 21 July 2026) and Advisory No. 2025-0002, applying PhilHealth Circular No. 2020-0005 (Revision 1) under the Universal Health Care Act (RA 11223): 5% premium rate, ₱10,000 income floor, ₱100,000 income ceiling.. Last updated: 2026-10-17.
PhilHealth questions Filipinos actually ask
"Do I pay the full premium or just half?"
If you're employed, just half — your employer pays the rest. Only voluntary, self-employed and land-based OFW members pay the full 5% premium themselves.
"My salary went up but my PhilHealth didn't — why?"
Either you are at the ₱100,000 ceiling, where the premium is frozen at the maximum ₱5,000 (₱2,500 as the employee), or the raise came as allowances or overtime, which PhilHealth does not count.
"Is it worth it if I rarely get sick?"
PhilHealth isn't just for confinement. It covers outpatient primary care under the YAKAP program, dialysis, chemotherapy, and case-rate subsidies that knock thousands of pesos off a hospital bill — and it covers your declared dependents too.