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 OFW members pay the full premium themselves.
Worked example: ₱30,000/month employee
PhilHealth contribution table 2026
Sample monthly premiums across the salary range. Notice the premium stays flat below ₱10,000 and above ₱100,000.
| Monthly salary (₱) | Total premium | Employee | Employer |
|---|---|---|---|
| 10,000 and below | ₱500.00 | ₱250.00 | ₱250.00 |
| 15,000 | ₱750.00 | ₱375.00 | ₱375.00 |
| 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 |
| 40,000 | ₱2,000.00 | ₱1,000.00 | ₱1,000.00 |
| 50,000 | ₱2,500.00 | ₱1,250.00 | ₱1,250.00 |
| 70,000 | ₱3,500.00 | ₱1,750.00 | ₱1,750.00 |
| 100,000 and above | ₱5,000.00 | ₱2,500.00 | ₱2,500.00 |
Source: PhilHealth — premium contribution rate for CY 2026 set at 5% under the Universal Health Care Act (RA 11223). Confirmed via Philippine Information Agency (PIA), Jan 2026.. Last updated: 2026-06-14.
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 OFW members pay the full 5% premium themselves.
"My salary went up but my PhilHealth didn't — why?"
Because of the ₱100,000 ceiling. Once you earn that or more, your premium is frozen at the maximum ₱5,000 (₱2,500 as the employee), no matter how high your pay climbs.
"Is it worth it if I rarely get sick?"
PhilHealth isn't just for confinement. It covers outpatient consultations and lab tests under Konsulta, dialysis, chemotherapy, and case-rate subsidies that knock thousands of pesos off a hospital bill — and it covers your declared dependents too.