Checking your payslip and wondering if your PhilHealth deduction is correct? Planning your monthly budget as a freelancer or OFW? This updated guide covers the complete PhilHealth contribution table 2026, with computation examples and payment instructions.
Good news: PhilHealth rates have stabilized. After years of gradual increases under the Universal Health Care Law, the premium rate is locked at 5% for both 2025 and 2026 — no new hikes.
PhilHealth Contribution Rate 2025–2026: Key Facts
- Rate: 5% of monthly basic salary or declared income (unchanged from 2025 to 2026)
- Income floor: ₱10,000 — minimum salary base for computation
- Income ceiling: ₱100,000 — maximum salary base for computation
- Minimum monthly premium: ₱500 (for salaries ₱10,000 and below)
- Maximum monthly premium: ₱5,000 (for salaries ₱100,000 and above)
Quick Reference by Member Type
| Member Type | Rate | Who Pays? |
|---|---|---|
| Employee | 5% of monthly basic salary | 50% Employer + 50% Employee |
| Self-Employed | 5% of declared income | Full 5% by member |
| Voluntary Member | 5% of declared income | Full 5% by member |
| OFW (Land-based) | ₱6,000/year (₱500/month) | Full amount by member |
| OFW (Sea-based) | 5% of monthly salary | Same as employed members |
| Kasambahay (≤₱5,000/mo) | 5% of salary | Employer pays full amount |
| Senior Citizen | None | Government subsidy |
| Lifetime Member (120+ months) | None | No further contributions needed |
Source: PhilHealth Advisory No. 2025-0002 and RA 11223 (Universal Health Care Act)
PhilHealth Contribution Table for Employed Members
If you are a regular employee, your PhilHealth contribution is split 50-50 between you and your employer. The table below shows your monthly premium based on your basic salary.
| Monthly Basic Salary | Total Monthly Premium (5%) | Employee Share (2.5%) | Employer Share (2.5%) |
|---|---|---|---|
| ₱10,000 and below | ₱500.00 | ₱250.00 | ₱250.00 |
| ₱10,000.01 – ₱11,000 | ₱550.00 | ₱275.00 | ₱275.00 |
| ₱11,000.01 – ₱12,000 | ₱600.00 | ₱300.00 | ₱300.00 |
| ₱12,000.01 – ₱13,000 | ₱650.00 | ₱325.00 | ₱325.00 |
| ₱13,000.01 – ₱14,000 | ₱700.00 | ₱350.00 | ₱350.00 |
| ₱14,000.01 – ₱15,000 | ₱750.00 | ₱375.00 | ₱375.00 |
| ₱15,000.01 – ₱16,000 | ₱800.00 | ₱400.00 | ₱400.00 |
| ₱16,000.01 – ₱17,000 | ₱850.00 | ₱425.00 | ₱425.00 |
| ₱17,000.01 – ₱18,000 | ₱900.00 | ₱450.00 | ₱450.00 |
| ₱18,000.01 – ₱19,000 | ₱950.00 | ₱475.00 | ₱475.00 |
| ₱19,000.01 – ₱20,000 | ₱1,000.00 | ₱500.00 | ₱500.00 |
| ₱20,000.01 – ₱25,000 | ₱1,000.00 – ₱1,250.00 | ₱500.00 – ₱625.00 | ₱500.00 – ₱625.00 |
| ₱25,000.01 – ₱30,000 | ₱1,250.00 – ₱1,500.00 | ₱625.00 – ₱750.00 | ₱625.00 – ₱750.00 |
| ₱30,000.01 – ₱40,000 | ₱1,500.00 – ₱2,000.00 | ₱750.00 – ₱1,000.00 | ₱750.00 – ₱1,000.00 |
| ₱40,000.01 – ₱50,000 | ₱2,000.00 – ₱2,500.00 | ₱1,000.00 – ₱1,250.00 | ₱1,000.00 – ₱1,250.00 |
| ₱50,000.01 – ₱60,000 | ₱2,500.00 – ₱3,000.00 | ₱1,250.00 – ₱1,500.00 | ₱1,250.00 – ₱1,500.00 |
| ₱60,000.01 – ₱70,000 | ₱3,000.00 – ₱3,500.00 | ₱1,500.00 – ₱1,750.00 | ₱1,500.00 – ₱1,750.00 |
| ₱70,000.01 – ₱80,000 | ₱3,500.00 – ₱4,000.00 | ₱1,750.00 – ₱2,000.00 | ₱1,750.00 – ₱2,000.00 |
| ₱80,000.01 – ₱90,000 | ₱4,000.00 – ₱4,500.00 | ₱2,000.00 – ₱2,250.00 | ₱2,000.00 – ₱2,250.00 |
| ₱90,000.01 – ₱100,000 | ₱4,500.00 – ₱5,000.00 | ₱2,250.00 – ₱2,500.00 | ₱2,250.00 – ₱2,500.00 |
| ₱100,000 and above (MAXIMUM) | ₱5,000.00 | ₱2,500.00 | ₱2,500.00 |
Tip: For salaries between brackets, multiply your exact salary by 5% to get the total premium, then divide by 2 for your share. Result is always capped at ₱5,000 total.
How to Compute Your PhilHealth Contribution
Computing your PhilHealth premium takes just three steps:
- Identify your Monthly Basic Salary (MBS) — exclude overtime, allowances, and bonuses
- Apply the floor and ceiling: if salary is below ₱10,000, use ₱10,000; if above ₱100,000, use ₱100,000
- Multiply adjusted salary by 5% for total premium; divide by 2 for your individual share
Sample Computations
| Scenario | Monthly Salary | Formula | Your Share | Employer Share |
|---|---|---|---|---|
| Regular employee | ₱18,000 | ₱18,000 × 5% = ₱900 | ₱450 | ₱450 |
| Regular employee | ₱35,000 | ₱35,000 × 5% = ₱1,750 | ₱875 | ₱875 |
| High earner (capped) | ₱120,000 | Capped at ₱100,000 × 5% = ₱5,000 | ₱2,500 | ₱2,500 |
| Low earner (floor applies) | ₱8,000 | Floor → ₱10,000 × 5% = ₱500 | ₱250 | ₱250 |
| Freelancer / Self-employed | ₱25,000 declared | ₱25,000 × 5% = ₱1,250 | ₱1,250 (full) | N/A |
Based on the 5% rate under PhilHealth Advisory No. 2025-0002.
PhilHealth Contributions for OFWs
All OFWs are required to contribute to PhilHealth to maintain coverage while working abroad and when they return home.
| OFW Type | Contribution | Payment Options |
|---|---|---|
| Land-based OFW | ₱6,000/year (₱500/month) | Annual, semi-annual, or per contract period |
| Sea-based OFW | 5% of monthly salary | Employer and member share equally |
How OFWs can pay:
- PhilHealth overseas collecting agents (banks and remittance centers abroad)
- Online via PhilHealth Member Portal (payment.philhealth.gov.ph)
- GCash or Maya from the Philippines (for advance payments before departure)
- Pay in advance for 2 to 5 years depending on your work contract
Self-Employed and Voluntary Members
Freelancers, entrepreneurs, professionals, and individuals who voluntarily maintain PhilHealth coverage pay the full 5% premium based on their declared monthly income.
- Flexible payment schedule: You can pay monthly, quarterly, semi-annually, or annually.
- Example: If you declare ₱30,000/month, your total monthly premium is ₱1,500 (₱30,000 × 5%). You pay this full amount yourself.
- How to register: Visit the PhilHealth Member Portal (portal.philhealth.gov.ph) or any PhilHealth branch.
PhilHealth for Kasambahay (Household Workers)
- If kasambahay earns ₱5,000 or below per month: Employer pays the full contribution
- If kasambahay earns above ₱5,000: Standard 50-50 sharing applies
- Household employers must register their kasambahay with PhilHealth
Who Does NOT Need to Pay PhilHealth Premiums
- Lifetime Members: Those who have paid at least 120 monthly contributions are automatically considered lifetime members — no more payments needed
- Senior Citizens: Automatically enrolled under RA 10645 and fully subsidized by the government
- Indigent Members: Fully subsidized under the National Health Insurance Program (NHIP)
How to Pay Your PhilHealth Contribution
Step 1: Get Your Statement of Premium Account (SPA)
Before paying, generate your SPA through the PhilHealth Member Portal. This is required under the “No SPA, No Payment” policy for self-paying members.
- Log in to portal.philhealth.gov.ph
- Go to “Premium Contributions” then select “Generate SPA”
- Choose the applicable period and note your SPA details
Step 2: Pay Through Any Accredited Channel
- GCash or Maya: Bills payment section, search for “PhilHealth”
- Online banking: BDO, BPI, Metrobank, UnionBank, and other accredited banks
- Over-the-counter: Bayad Center, SM Bills Payment, 7-Eleven, Robinsons, LBC
- Direct at any PhilHealth branch
- Land Bank and DBP for self-employed members
Payment Deadlines
- Employers: On or before the 15th of the month following the applicable period
- Self-employed / Voluntary: Monthly, quarterly, semi-annually, or annually — late payments forfeit coverage for that period
- OFWs: Before departure or at any time in advance for the contract period
PhilHealth Benefits: What Your Contributions Cover
| Benefit | What It Covers |
|---|---|
| Inpatient / Hospitalization | Room and board, professional fees, medicines, lab tests during hospital admission |
| Outpatient | Day surgeries, consultations, and diagnostic procedures without hospitalization |
| Maternity Benefit | Normal delivery, cesarean section, miscarriage — for female members |
| Z Benefits | Critical illness coverage: cancer treatment, kidney transplants, and other serious conditions |
| Konsulta / YAKAP Package | Free primary care consultations, 21 essential medicines, and lab tests at accredited clinics (2026) |
| SDG-Related Benefits | Coverage for malaria, tuberculosis, HIV-AIDS, and other public health conditions |
How to Check Your PhilHealth Contribution Status
- Log in to the PhilHealth Member Portal at portal.philhealth.gov.ph
- Go to “Premium Contributions” to view your contribution history
- If you see missing months despite deductions on your payslip, report your employer to PhilHealth
- PhilHealth hotline: (02) 8441-7442 or 1-800-10-441-7442 (toll-free for PLDT landline)
Frequently Asked Questions
What is the PhilHealth contribution rate for 2026?
The rate is still 5% of monthly basic salary. There is no increase in 2026. This was confirmed by PhilHealth Advisory No. 2025-0002. The salary floor remains at ₱10,000 and the ceiling at ₱100,000.
Does overtime pay count in computing PhilHealth?
No. Your PhilHealth contribution is based on your Monthly Basic Salary (MBS) only. Overtime pay, allowances, bonuses, commissions, and 13th month pay are all excluded from the computation.
My employer is deducting PhilHealth from my salary but I can’t find my contributions online. What should I do?
This means your employer is either not remitting your contributions or there is a reporting delay. Check your Member Data Record at the PhilHealth portal first. If contributions are missing, file a complaint at the nearest PhilHealth branch with your payslips as evidence. Employers who fail to remit face penalties and possible legal action.
Can I voluntarily pay a higher premium to get better benefits?
No. Unlike SSS, PhilHealth does not allow members to declare a higher income just to get bigger benefits. Your premium is based on your actual declared income. Consistently maintaining active status ensures you can access all standard PhilHealth benefits.
I am going abroad as an OFW. Do I still need to pay PhilHealth?
Yes. All OFWs are required to maintain PhilHealth coverage. Land-based OFWs pay ₱6,000 per year (₱500/month). You can pay in advance for the duration of your contract at any PhilHealth office, accredited bank, or overseas collecting agent before you leave.
What is the PhilHealth hotline?
You can reach PhilHealth at (02) 8441-7442 or 1-800-10-441-7442 (PLDT toll-free). You can also visit philhealth.gov.ph or the nearest PhilHealth branch.
Final Thoughts
The PhilHealth contribution table for 2025 and 2026 is straightforward: a flat 5% of your monthly basic salary, with a minimum of ₱500 and a maximum of ₱5,000 per month. Employees split this equally with their employers, while self-employed and OFW members shoulder the full amount.
Staying current with your PhilHealth contributions is not just a legal requirement — it is your ticket to affordable healthcare when you need it most. Check your contribution history regularly through the PhilHealth Member Portal and report any discrepancies to your nearest PhilHealth branch.