Quick answer
The PhilHealth premium in 2026 is 5% of your monthly basic salary, with an income floor of ₱10,000 and a ceiling of ₱100,000. The monthly premium therefore ranges from ₱500 to ₱5,000. Employees and employers split it equally, so an employee pays ₱250 to ₱2,500. Self-employed, voluntary and OFW members pay the full 5%.
Key takeaways
- Rate: 5% of monthly basic salary, the final scheduled rate under the Universal Health Care Act (RA 11223).
- Monthly premium: ₱500 minimum (salary ₱10,000 and below), ₱5,000 maximum (₱100,000 and above).
- Employees pay half; employers pay the other half. Direct contributors pay the full amount.
- PhilHealth is based on basic salary, unlike SSS, which uses total compensation brackets.
- Your premium funds hospital case rates, the Konsulta primary care package and outpatient benefits.
On this page
PhilHealth is the national health insurance program, and your monthly premium is one of the three mandatory deductions on every Filipino payslip, alongside SSS and Pag-IBIG. In 2026 the computation is simple: 5% of basic salary, within a floor and a ceiling.
PhilHealth contribution rate for 2026
The premium rate is 5%, the final step of the increases scheduled under the Universal Health Care Act (RA 11223). PhilHealth confirmed there is no further scheduled increase for 2026.
| Monthly basic salary | Monthly premium | Employee share | Employer share |
|---|---|---|---|
| ₱10,000 and below | ₱500 | ₱250 | ₱250 |
| ₱10,000.01 to ₱99,999.99 | 5% of salary | 2.5% of salary | 2.5% of salary |
| ₱100,000 and above | ₱5,000 | ₱2,500 | ₱2,500 |
Sample computations
| Monthly basic salary | Total premium | Employee pays | Employer pays |
|---|---|---|---|
| ₱13,000 | ₱650 | ₱325 | ₱325 |
| ₱18,000 | ₱900 | ₱450 | ₱450 |
| ₱20,000 | ₱1,000 | ₱500 | ₱500 |
| ₱25,000 | ₱1,250 | ₱625 | ₱625 |
| ₱30,000 | ₱1,500 | ₱750 | ₱750 |
| ₱40,000 | ₱2,000 | ₱1,000 | ₱1,000 |
| ₱50,000 | ₱2,500 | ₱1,250 | ₱1,250 |
| ₱75,000 | ₱3,750 | ₱1,875 | ₱1,875 |
| ₱100,000+ | ₱5,000 | ₱2,500 | ₱2,500 |
Basic salary means your fixed monthly pay, not including overtime, allowances or bonuses. That is a key difference from SSS, which uses total compensation.
Who pays what
- Employed (private and government): shared 50/50 with the employer, deducted from payroll.
- Kasambahay: paid by the employer, with the kasambahay sharing only if their monthly wage is ₱5,000 or more.
- Self-employed, freelancers, professionals and voluntary members: pay the full 5% of declared monthly income.
- OFWs: pay the full 5% of monthly income, from ₱500 to ₱5,000.
- Indirect contributors such as indigent members identified by DSWD, senior citizens and persons with disability covered by law have premiums paid by the national government.
Senior citizens are automatically covered as PhilHealth members under RA 10645, with premiums paid by the government.
How PhilHealth fits into your take-home pay
Your PhilHealth share is deducted from your salary before income tax is computed, so it slightly lowers your tax. On a ₱30,000 salary, the mandatory deductions look like this:
| Deduction | Employee share |
|---|---|
| SSS (₱30,000 MSC) | ₱1,500 |
| PhilHealth | ₱750 |
| Pag-IBIG | ₱200 |
| Withholding tax | ₱1,007.55 |
| Take-home pay | ₱26,542.45 |
See the full breakdown in our income tax guide.
How to pay as a self-employed, voluntary or OFW member
- Register or update your record in the PhilHealth Member Portal and get your PhilHealth Identification Number (PIN).
- Generate a statement of premium or payment reference in the portal.
- Pay online through the portal, or through accredited collecting agents such as banks, e-wallets (for example GCash and Maya) and payment centers.
- Keep your receipts. Payments can be monthly, quarterly or annually in advance.
Paying in advance avoids gaps, which matter if you need to be confined.
What your premium covers
PhilHealth pays fixed amounts per case ("case rates") directly to accredited hospitals, deducted from your bill. Coverage includes:
- Inpatient care for illnesses and surgeries, with case rates that PhilHealth has been raising since 2024.
- Maternity care packages for normal and caesarean delivery in accredited facilities.
- Konsulta (Konsultasyong Sulit at Tama): primary care consultations, selected lab tests and medicines from your registered Konsulta provider.
- Outpatient packages such as dialysis, outpatient chemotherapy, TB-DOTS and animal bite treatment.
- Z Benefits for catastrophic illnesses such as certain cancers.
Under the No Balance Billing policy, qualified members (such as indigents and senior citizens) confined in ward accommodations of government hospitals should not be charged beyond what PhilHealth pays.
Before a planned admission, check your contribution status in the Member Portal and bring your PhilHealth ID or PIN and a valid ID. Ask the hospital's PhilHealth desk to apply your benefits before you settle the bill.
Common questions about deductions
My payslip shows a PhilHealth deduction, but the portal shows missing months. Ask HR for proof of remittance. Employers that deduct but fail to remit can be reported to PhilHealth.
I have two jobs. Each employer deducts based on the salary it pays, but your total premium is capped at ₱5,000 a month. Coordinate with PhilHealth if you overpay.
I stopped working. Register as a voluntary or self-employed member and continue paying so your coverage doesn't lapse. Budget for it alongside your other fixed monthly expenses.
Frequently asked questions
How much is PhilHealth for a ₱30,000 salary?
5% of ₱30,000 is ₱1,500 a month. If you are employed, you pay ₱750 and your employer pays ₱750.
How much do self-employed and voluntary members pay to PhilHealth?
They pay 5% of their declared monthly income, from ₱500 (income of ₱10,000 or less) to ₱5,000 (₱100,000 or more). For example, a freelancer earning ₱25,000 a month pays ₱1,250.
Will PhilHealth contributions go up in 2027?
The 5% rate is the last scheduled increase under the Universal Health Care Act, and PhilHealth has said there is no further scheduled increase. A change would require new legislation or a new PhilHealth issuance.
Can I use PhilHealth if I missed some payments?
Direct contributors generally need to be updated with their premiums to avail of benefits, and PhilHealth has rules on qualifying contributions before a confinement. Employed members are covered as long as their employer remits. Check your status in the PhilHealth Member Portal before a planned admission.
Do OFWs have to pay PhilHealth?
Yes. OFWs are direct contributors who pay 5% of their monthly income, from ₱500 to ₱5,000. Proposals to make OFW contributions voluntary have been filed in Congress, but as of this update the requirement still applies.
Sources
Figures checked against these official and primary sources on October 4, 2026. Government rates and promos change, so confirm on the agency's site before you act.
- Philippine Information Agency: PhilHealth sets 5% premium contribution rate for 2026
- PhilHealth: Official website and Member Portal
- Republic Act No. 11223, Universal Health Care Act
General information, not personal financial, tax or legal advice. See our editorial standards and disclaimer. Found an outdated figure? Email support@success.ph.