PhilHealth contribution table for 2026
By MoneyNow editorial deskEvery rate on this page is taken from the issuing authority — SSS, PhilHealth, Pag-IBIG, the BIR, the NWPC or the SEC — and carries the date it took effect. Where a figure cannot be sourced we say so rather than estimate.
The rate has finished climbing
The premium reached 5% of monthly basic salary under the Universal Health Care Act and has no further scheduled increase, so 2026 continues at 5% — 2.5% from you and 2.5% from your employer. The income floor is ₱10,000 and the ceiling ₱100,000, which caps the total premium at ₱5,000 a month and your own share at ₱2,500.
Basic salary, not gross pay
This is the distinction that causes most payroll disputes. PhilHealth is computed on monthly basic salary. Allowances, overtime, night differential and bonuses are excluded, even though they are all in your gross pay. Someone with a ₱25,000 basic and ₱8,000 in allowances is charged on ₱25,000, not ₱33,000.
If your deduction looks higher than the table, check whether your employer is computing on gross. It is a common error and it is worth raising, because you are being overcharged for the whole period it has run.
The floor catches part-time and low-wage earners
Earning below ₱10,000 does not mean a smaller premium. Everyone at or under the floor is charged as though they earned ₱10,000, so the minimum total premium is ₱500 a month with ₱250 coming from you. For part-time workers this is proportionally the heaviest of the three mandatory deductions.
Self-employed, voluntary and OFW members
Members without an employer pay the full 5% themselves rather than half. Land-based OFWs are covered as direct contributors and pay the full premium on declared monthly income.
Why it is worth checking your record
Unlike SSS, PhilHealth benefits can be suspended for insufficient qualifying contributions at the moment you need them — which is generally the moment you are least able to sort out a remittance dispute. Register for the member portal and compare posted contributions against your payslips periodically rather than after an admission. Our take-home pay calculator applies the current premium alongside SSS, Pag-IBIG and withholding tax.
In force from 2024-01-01 · PhilHealth premium schedule under RA 11223
The premium is 5% of monthly basic salary, split equally between you and your employer. It is calculated on basic salary, not gross pay — allowances are excluded, which is the mistake most payroll disputes turn on. Earnings below ₱10,000 are charged at the floor; earnings above ₱100,000 are charged at the ceiling.
| Monthly basic salary | Total premium | Your share | Employer share |
|---|---|---|---|
| ₱10,000 and below | ₱500.00 | ₱250.00 | ₱250.00 |
| ₱12,000 | ₱600.00 | ₱300.00 | ₱300.00 |
| ₱15,000 | ₱750.00 | ₱375.00 | ₱375.00 |
| ₱20,000 | ₱1,000.00 | ₱500.00 | ₱500.00 |
| ₱25,000 | ₱1,250.00 | ₱625.00 | ₱625.00 |
| ₱30,000 | ₱1,500.00 | ₱750.00 | ₱750.00 |
| ₱40,000 | ₱2,000.00 | ₱1,000.00 | ₱1,000.00 |
| ₱50,000 | ₱2,500.00 | ₱1,250.00 | ₱1,250.00 |
| ₱60,000 | ₱3,000.00 | ₱1,500.00 | ₱1,500.00 |
| ₱75,000 | ₱3,750.00 | ₱1,875.00 | ₱1,875.00 |
| ₱90,000 | ₱4,500.00 | ₱2,250.00 | ₱2,250.00 |
| ₱100,000 and above | ₱5,000.00 | ₱2,500.00 | ₱2,500.00 |
Where these figures come from
- PhilHealth premium schedule under RA 11223 — in force from 2024-01-01
Sources
Last updated 2026-07-26.