PhilHealth Contribution Calculator (2026)
In 2026, PhilHealth members pay 5% of monthly income as premium — a minimum of ₱500 (income at or below ₱10,000) up to a maximum of ₱5,000 (income at or above ₱100,000). Employed members split this 50/50 with their employer; self-employed, voluntary, and land-based OFW members pay the full amount.
5% of your monthly income. 2026 rate. Estimate only — your actual contribution is based on your declared/basic monthly income. Last verified 2026-07.
Frequently Asked Questions
How much is the PhilHealth contribution in 2026?
The premium is 5% of your monthly basic income, with a floor of ₱10,000 (₱500 premium) and a ceiling of ₱100,000 (₱5,000 premium). So every member pays between ₱500 and ₱5,000 per month.
How is it split between employee and employer?
For employed members the premium is shared 50/50. For example, at a ₱20,000 monthly salary the total premium is ₱1,000, so you pay ₱500 and your employer pays ₱500.
How do self-employed, voluntary, and OFW members compute their contribution?
Self-employed, voluntary, and land-based OFW members shoulder the full premium themselves, based on their declared monthly income — still 5%, still capped between ₱500 and ₱5,000. Sea-based OFWs follow the shared (employed) scheme.
What if I earn below ₱10,000 or above ₱100,000?
If you earn ₱10,000 or less, you pay the fixed minimum of ₱500. If you earn ₱100,000 or more, you pay the fixed maximum of ₱5,000. In between, it's a straight 5% of income.
PhilHealth premium schedule under RA 11223 (UHC Act): 5% for CY 2026, ₱10,000 floor / ₱100,000 ceiling. This is a planning estimate, not official advice — confirm your exact contribution with PhilHealth. Last verified 2026-07.