PhilHealth4 min read · Updated May 2026

PhilHealth Contribution Rate 2026: What Every Filipino Employee Should Know

The PhilHealth premium rate for 2026 remains at 5% of your basic monthly salary, split equally between you and your employer. Here is everything you need to know about the computation, salary brackets, and how to pay as a voluntary member.

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Source: Philippine Health Insurance Corporation (philhealth.gov.ph), per PhilHealth Circular No. 2023-0009. Maintained by BenepisyoPH — independent, not affiliated with PhilHealth.

PhilHealth 2026 Premium Rate Summary

Total Rate

2.5%

Employee Share

₱10,000

Salary Floor

₱100,000

Salary Ceiling

How to Compute Your PhilHealth Contribution

The formula is straightforward:

Monthly Premium = Basic Monthly Salary × 5%
Employee Share = Monthly Premium ÷ 2 (2.5%)
Employer Share = Monthly Premium ÷ 2 (2.5%)

Example: Employee earning ₱30,000/month

Monthly Premium (5% × ₱30,000)₱1,500

Your deduction (2.5%)₱750

Employer pays (2.5%)₱750

Total monthly premium₱1,500

PhilHealth Contribution Examples by Salary 2026

Basic Monthly Salary	Employee (2.5%)	Employer (2.5%)	Total Premium
₱10,000	₱250	₱250	₱500
₱15,000	₱375	₱375	₱750
₱20,000	₱500	₱500	₱1,000
₱25,000	₱625	₱625	₱1,250
₱30,000	₱750	₱750	₱1,500
₱40,000	₱1,000	₱1,000	₱2,000
₱50,000	₱1,250	₱1,250	₱2,500
₱60,000	₱1,500	₱1,500	₱3,000
₱75,000	₱1,875	₱1,875	₱3,750
₱100,000	₱2,500	₱2,500	₱5,000

Voluntary Members: Freelancers, Self-Employed & OFWs

If you are not employed by a company, you can register as a Voluntary or Individually Paying Member (IPM) and pay the full 5% premium yourself.

How to Register

1.Visit any PhilHealth office or go to eservices.philhealth.gov.ph
2.Fill out PMRF (PhilHealth Member Registration Form)
3.Present valid government ID
4.Receive your PhilHealth ID/MDR

How to Pay

1.Pay at any PhilHealth office
2.Pay via Bayad Center, 7-Eleven, GCash, Maya
3.Use Landbank, DBP, or UnionBank portals
4.Pay quarterly, semi-annual, or annual

Frequently Asked Questions

What is the PhilHealth contribution rate for 2026?expand_more

The rate is 5% of basic monthly salary, split 2.5% employee and 2.5% employer. The minimum premium is ₱500 (salary floor ₱10,000) and maximum is ₱5,000 (salary ceiling ₱100,000).

What happens if my employer does not remit my PhilHealth contribution?expand_more

Your employer is legally obligated to remit your contributions. If they fail to do so, they are liable for penalties. You can check your PhilHealth contribution records through the PhilHealth member portal (eservices.philhealth.gov.ph) or call their hotline.

Can I use PhilHealth even if I have a gap in contributions?expand_more

Yes, but with limitations. Under the Universal Health Care Act (UHA), all Filipinos are automatically PhilHealth members. However, some benefit packages may require active contribution status. Indigents and those covered by government subsidies can still access benefits.

Will PhilHealth contributions increase beyond 5% in the future?expand_more

PhilHealth has proposed increasing rates to 6% in the coming years under the Universal Health Care roadmap. However, no formal implementation was in effect as of early 2026. Monitor philhealth.gov.ph for announcements.

Compute Your Exact PhilHealth Contribution

Use our free calculator for your exact monthly SSS, PhilHealth, and Pag-IBIG deductions side by side.

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Related Guides

SSS

SSS Contribution Table 2026 →

Pag-IBIG

Pag-IBIG Monthly Contribution Guide →