PhilHealth Contribution Table 2026: Rates, Salary Brackets & Monthly Premium
Quick Answer: The 2026 PhilHealth premium rate is 5.0% — held flat from 2025 with no hike for 2026, per PhilHealth's official 2026 circulars archive and the Philippine Information Agency. The salary floor is ₱10,000 (minimum contribution ₱500/month) and the salary ceiling is ₱100,000 (maximum contribution ₱5,000/month). For employed members, the 5% is split 50/50 — employer pays 2.5%, employee pays 2.5%. Self-employed, voluntary, and land-based OFW members pay the full 5% themselves. Senior citizens (60+), Lifetime Members, PWD members, and DSWD-identified indigents pay no premium — coverage is automatic and government-subsidized. Effective January 1, 2026.
Table of Contents
- The 2026 PhilHealth Premium Rate at a Glance
- How the Contribution Is Computed
- Sample Monthly Contributions by Salary
- Contribution Rules by Membership Category
- How to Pay Your PhilHealth Contribution
- Why the 2026 Rate Held at 5%
- What Happens If You Miss Contributions
- Frequently Asked Questions
The 2026 PhilHealth Premium Rate at a Glance
The contribution structure for 2026 carries over from 2024 unchanged. PhilHealth's 2026 circulars archive lists only operational issuances (waiver of interest, GAMOT program, CGPS, expanded maternity case rates) — none of them changes the premium rate or the salary brackets. The Philippine Information Agency confirmed in early 2026 that there is no hike in premium rates for 2026.
| Parameter | 2026 Value |
|---|---|
| Premium contribution rate | 5.00% of monthly basic salary |
| Monthly salary floor | ₱10,000 |
| Monthly salary ceiling | ₱100,000 |
| Minimum monthly contribution | ₱500 (5% × ₱10,000) |
| Maximum monthly contribution | ₱5,000 (5% × ₱100,000) |
| Employer–employee split (employed) | 50% / 50% (2.5% each) |
| Effective date | January 1, 2026 |
The legal basis is Republic Act 11223 (Universal Health Care Act), Section 10, which mandates a phased increase in PhilHealth premiums. The phased schedule originally peaked at 5%, which was reached in 2024 and has been carried forward through 2025 and 2026 by administrative directive. There is no further automatic increase scheduled; any future hike would require new legislation or a new PhilHealth Circular.
How the Contribution Is Computed
The formula is straightforward:
Monthly Contribution = Monthly Basic Salary × 5% (capped between ₱500 and ₱5,000)
If your monthly salary is below ₱10,000, you still pay the floor of ₱500. If your monthly salary is above ₱100,000, your contribution is capped at ₱5,000 — anything you earn above ₱100,000 is not factored in.
Worked example — employed member earning ₱30,000/month:
- Total premium: ₱30,000 × 5% = ₱1,500/month
- Employer share (2.5%): ₱30,000 × 2.5% = ₱750
- Employee share (2.5%): ₱30,000 × 2.5% = ₱750 (deducted from your payslip)
Worked example — self-employed member earning ₱60,000/month:
- Total premium: ₱60,000 × 5% = ₱3,000/month
- You pay the full ₱3,000 yourself (no employer counterpart)
Worked example — high earner (₱150,000/month):
- Premium is capped at ₱100,000 ceiling × 5% = ₱5,000/month
- The ₱50,000 portion of salary above ₱100,000 is not assessed.
Sample Monthly Contributions by Salary
This table assumes the 5% premium rate applied to the salary brackets in effect for 2026. For employed members, the "Employee Share" column is what gets deducted from your payslip; the "Employer Share" is paid by your employer on top of your salary.
| Monthly Salary | Total 5% Premium | Employee Share (2.5%) | Employer Share (2.5%) |
|---|---|---|---|
| ₱8,000 (below floor) | ₱500 | ₱250 | ₱250 |
| ₱10,000 (floor) | ₱500 | ₱250 | ₱250 |
| ₱15,000 | ₱750 | ₱375 | ₱375 |
| ₱20,000 | ₱1,000 | ₱500 | ₱500 |
| ₱25,000 | ₱1,250 | ₱625 | ₱625 |
| ₱30,000 | ₱1,500 | ₱750 | ₱750 |
| ₱35,000 | ₱1,750 | ₱875 | ₱875 |
| ₱40,000 | ₱2,000 | ₱1,000 | ₱1,000 |
| ₱50,000 | ₱2,500 | ₱1,250 | ₱1,250 |
| ₱60,000 | ₱3,000 | ₱1,500 | ₱1,500 |
| ₱70,000 | ₱3,500 | ₱1,750 | ₱1,750 |
| ₱80,000 | ₱4,000 | ₱2,000 | ₱2,000 |
| ₱90,000 | ₱4,500 | ₱2,250 | ₱2,250 |
| ₱100,000 (ceiling) | ₱5,000 | ₱2,500 | ₱2,500 |
| ₱150,000 (above ceiling) | ₱5,000 (capped) | ₱2,500 | ₱2,500 |
For self-employed, voluntary, and land-based OFW members, treat the "Total 5% Premium" column as your full out-of-pocket monthly contribution.
Contribution Rules by Membership Category
PhilHealth groups members into seven categories. The premium rate is the same 5% across the board — what differs is who pays and whether the member pays at all.
1. Employed Members (Private + Government)
The most common category. Total premium of 5% is split 50/50 between employer and employee. The employer is legally required to remit the full 5% (both shares combined) through PhilHealth's Electronic Premium Remittance System (EPRS) by the deadline set in your employer's payment schedule (typically by the 11th, 15th, or 20th of the following month, depending on the last digit of your employer's PhilHealth ID).
Government employees follow the same 50/50 split, with the agency acting as the employer.
2. Self-Employed, Voluntary, and Self-Paying Members
Includes freelancers, sole proprietors, professionals in private practice, retirees with non-PhilHealth income, and any non-working adult who pays into PhilHealth voluntarily. You pay the full 5% based on your declared monthly income, with the same ₱10,000 floor and ₱100,000 ceiling. Minimum ₱500/month, maximum ₱5,000/month.
You can pay monthly, quarterly, semi-annually, or annually — PhilHealth gives flexibility on payment frequency, but missed periods can affect your eligibility for benefits at the time of need (see What Happens If You Miss Contributions below).
3. Migrant Workers (OFWs)
PhilHealth distinguishes between two OFW categories:
| OFW Category | Premium Rule |
|---|---|
| Land-based OFWs | Pays full 5% (self-paid; no employer counterpart). Salary ranges declared in peso equivalent. Min ₱500 / max ₱5,000 monthly. May pay annually, semi-annually, quarterly, or monthly. |
| Sea-based OFWs (seafarers) | Treated like employed members — 50/50 split between seafarer and manning agency. The manning agency remits both shares. |
Land-based OFWs can pay through accredited collecting banks, GCash, online via PhilHealth's e-PHIC portal, PhilHealth's overseas representative offices, and select remittance agents.
4. Kasambahay (Domestic Workers)
Under RA 10361 (Kasambahay Law), the rules depend on the kasambahay's monthly salary:
| Kasambahay Salary | Who Pays the 5% Premium |
|---|---|
| Below ₱5,000/month | Household employer pays 100% of the premium. |
| ₱5,000/month and above | Household employer pays 2.5%; kasambahay pays 2.5% (50/50 split, like a regular employee). |
This applies to live-in or live-out domestic workers — house helpers, caregivers, nannies, gardeners, and family drivers if they are formally registered as kasambahay under RA 10361. A family driver hired under a regular employment contract (not as kasambahay) follows the regular 50/50 employer-employee split.
5. Senior Citizens (60 Years and Above)
Under RA 10645 (Mandatory PhilHealth Coverage for All Senior Citizens), all Filipinos aged 60 and above receive automatic PhilHealth coverage with no premium required. The national government subsidizes the contribution. To avail, present your senior citizen ID or PhilHealth ID at any accredited facility.
If a senior citizen is still actively employed, the employer is no longer required to deduct or remit a PhilHealth contribution for them. If a senior is also a Lifetime Member (see below), the same automatic-coverage rule applies.
6. Lifetime Members
Members who have paid at least 120 monthly contributions (10 years' worth) and have reached age 60 are automatically converted to Lifetime Member status. Lifetime Members pay no further premiums for the rest of their lives. They retain access to all PhilHealth benefits, and their qualified dependents continue to be covered.
7. Indigent / Sponsored / PWD Members
The national government, an LGU, or a private sponsor pays the premium on behalf of these members. The member pays nothing.
| Sub-category | Premium Source |
|---|---|
| DSWD-Identified Indigents (via Listahanan / 4Ps) | National government (full subsidy under RA 11223) |
| LGU-Sponsored | Local government unit pays the premium for residents identified by the LGU |
| NGO/Corporate-Sponsored | Sponsoring organization pays the premium |
| PWD Members (RA 11228) | National government pays the premium; coverage is automatic upon registration with PhilHealth |
How to Pay Your PhilHealth Contribution
Payment channels depend on your membership category:
For employed members, you don't make a direct payment — your employer deducts your share from your payslip and remits the full premium via EPRS. Verify your contribution is being posted by checking your Member Data Record (MDR) in the Member Portal at member.philhealth.gov.ph or via the PhilHealth Member app.
For self-employed, voluntary, and land-based OFW members, you can pay through:
- GCash (look for PhilHealth under "Government" billers)
- Maya (under Bills Pay → Government)
- Online banking with most PH banks (BPI, BDO, Metrobank, UnionBank, Landbank, etc.) — search PhilHealth as a biller
- Over-the-counter at PhilHealth Local Health Insurance Offices (LHIOs)
- Bayad Center, SM Bills Pay, Robinsons Business Center, M Lhuillier, Cebuana Lhuillier, and other accredited collecting agents
- PhilHealth e-PHIC portal (online)
Bring your PhilHealth Identification Number (PIN) or PhilHealth ID when paying. Get a receipt and check your MDR within 1–2 weeks to confirm the payment has been posted.
For sea-based OFWs, the manning agency handles remittance through EPRS. You don't pay directly.
Why the 2026 Rate Held at 5%
The Universal Health Care Act of 2019 (RA 11223) set out a phased premium schedule designed to fund the country's transition to universal coverage:
| Year | UHC Schedule | What Actually Happened |
|---|---|---|
| 2019 | 2.75% | 2.75% (implemented) |
| 2020 | 3.00% | 3.00% (implemented) |
| 2021 | 3.50% | Suspended due to pandemic |
| 2022 | 4.00% | Suspended for most of the year; applied retroactively |
| 2023 | 4.50% | 4.0% Jan–Apr, 4.5% effective May 2023 (PhilHealth Advisory 2023-0001) |
| 2024 | 5.00% | 5.00% effective Feb 2024, ceiling raised ₱80K → ₱100K (PhilHealth Advisory 2024-004) |
| 2025 | (cap reached) | Held at 5.00% per Marcos administration directive |
| 2026 | (cap reached) | Held at 5.00% — confirmed by PhilHealth via PIA, no rate-changing 2026 circular |
The phased schedule under RA 11223 effectively maxed out at 5%. Any future increase beyond 5% would require new legislation or an act of Congress, not just a PhilHealth Circular. As of May 2026, no such legislation is pending.
What Happens If You Miss Contributions
PhilHealth uses a 9-monthly-contributions-in-the-last-12-months rule to determine eligibility for inpatient benefits at the time of confinement. If you have not paid enough qualifying contributions, you may be required to settle the deficit before benefits are paid out.
Specific consequences vary by category:
- Employed members: Your employer is legally required to remit, so missed contributions are usually due to employer non-remittance. File a complaint with PhilHealth or DOLE if your employer has been deducting from your payslip but not remitting.
- Self-employed/voluntary/OFW: Paying retroactively for missed months may be allowed within a grace window (usually 1–3 months). After that, retroactive payment is not accepted, and you must restart contributions to rebuild eligibility. This is why monthly auto-debit or annual lump-sum payment is recommended for self-paying members.
- Lifetime Members and Senior Citizens: Not applicable — no premium required.
If you are about to be hospitalized and your contributions are short, you can sometimes pay the deficit before discharge. Coordinate with the PhilHealth Customer Assistance, Relations and Empowerment Staff (CARES) desk at the hospital.
For a deeper walkthrough of how to claim your benefits when you do get hospitalized, see our guide on PhilHealth hospitalization benefits and case rates and how to file a PhilHealth claim.
Frequently Asked Questions
Did PhilHealth raise the contribution rate in 2026?
No. The 2026 premium rate is 5.0%, the same as 2024 and 2025. PhilHealth confirmed via the Philippine Information Agency that there is no hike for 2026. The 2026 circulars archive on philhealth.gov.ph contains no rate-changing issuance. The salary floor (₱10,000) and ceiling (₱100,000) are also unchanged.
What is the minimum and maximum PhilHealth contribution per month in 2026?
The minimum is ₱500/month (5% of the ₱10,000 salary floor) and the maximum is ₱5,000/month (5% of the ₱100,000 salary ceiling). If your salary is below ₱10,000, you still pay the ₱500 minimum. If it's above ₱100,000, you pay the ₱5,000 maximum cap.
How is PhilHealth contribution computed for employed members?
Total premium is 5% of your monthly basic salary, split 50/50 between you and your employer. So if you earn ₱25,000/month: total premium = ₱1,250, your share = ₱625 (deducted from payslip), employer share = ₱625 (paid on top of your salary). The employer remits the full ₱1,250 to PhilHealth via EPRS.
Do self-employed Filipinos and OFWs pay the same rate?
Yes — the 5% rate applies across all member categories. The difference is who pays: employed members get a 50/50 split with their employer, while self-employed, voluntary, and land-based OFW members pay the full 5% themselves. Sea-based OFWs (seafarers) are an exception — they get a 50/50 split with their manning agency.
Are senior citizens still required to pay PhilHealth contributions?
No. Under RA 10645, all Filipinos aged 60 and above receive automatic PhilHealth coverage with no premium required. The national government pays on their behalf. To avail, present your senior citizen ID or PhilHealth ID at the accredited facility.
What is a PhilHealth Lifetime Member, and do they pay contributions?
A Lifetime Member is someone who has paid at least 120 monthly contributions (10 years' worth) AND has reached age 60. Lifetime Members pay no further premiums for the rest of their lives, and they keep all PhilHealth benefits. Eligible members are automatically converted — no separate application needed in most cases.
How much does a kasambahay's PhilHealth cost the household employer?
It depends on the kasambahay's salary. If the kasambahay earns below ₱5,000/month, the household employer pays the full ₱500 premium (5% of ₱10,000 floor, since the salary is below floor). If the kasambahay earns ₱5,000 or more, the cost is split 50/50 — the kasambahay pays 2.5% and the household employer pays 2.5%, computed on the actual salary.
How do I check my PhilHealth contributions?
Log in to the PhilHealth Member Portal at member.philhealth.gov.ph using your PhilHealth Identification Number (PIN). Your Member Data Record (MDR) shows all posted contributions, your premium status, and your qualified dependents. You can also use the PhilHealth Member mobile app or visit any PhilHealth Local Health Insurance Office in person with your ID.
Can I pay PhilHealth contributions retroactively if I missed months?
For self-employed and voluntary members, retroactive payment is usually allowed within a 1–3 month grace window. Beyond that, missed contributions cannot be paid retroactively, and you must restart your contribution streak. For employed members, your employer is legally required to remit on time — missed contributions on their side should be reported to PhilHealth or DOLE.
Where do my PhilHealth contributions actually go?
They fund the National Health Insurance Program — primarily inpatient case rates (covered amounts paid to hospitals when you're admitted), the Z Benefits package for catastrophic illnesses (cancer, kidney transplant, open-heart surgery), the expanded outpatient benefit packages (TB-DOTS, dialysis, primary care), the recently expanded maternity benefits, and dental benefits. PhilHealth also subsidizes premiums for indigent and senior citizen members from the same pool.
Conclusion
The 2026 PhilHealth contribution stays at 5.0% of monthly salary, capped between ₱500 and ₱5,000 per month. The structure is the same as 2025 — no hike, no new ceiling, no new circular changing the rate. What's different in 2026 is on the benefits side: maternity case rates were significantly expanded effective April 30, 2026, and PhilHealth has continued to roll out enhanced outpatient and primary care packages.
To stay current with your contributions and benefits, log in to your Member Data Record (MDR) at least once a quarter and verify your posted contributions. If you're employed and notice gaps, raise it with your HR or DOLE immediately.
For more PhilHealth coverage guides:
- PhilHealth Maternity Benefits 2026 (Updated April 30)
- PhilHealth Hospitalization Benefits & Case Rates
- PhilHealth Dental Benefits Guide
- PhilHealth C-Section Coverage 2026
- How to File a PhilHealth Claim
Looking for an accredited clinic or hospital? Browse PhilHealth-accredited facilities on ClinicFinderPH to compare locations, services, and HMO/PhilHealth acceptance.