PhilHealth Contribution Table 2026 — Updated Rates and Complete Guide
The PhilHealth contribution table 2026 shows the updated monthly premium rates for all members of the Philippine Health Insurance Corporation (PHIC). The premium rate for 2026 remains at 5% of monthly basic salary — the same as 2025 — with no new increases announced. This is the final rate under the Universal Health Care Law (Republic Act 11223) schedule.
⚠️ Note: This is an independent informational website and is NOT the official PhilHealth. For official transactions visit philhealth.gov.ph or call (02) 8441-7442.
PhilHealth Contribution Table 2026 — Key Facts
| Detail | Amount / Rate |
|---|---|
| Premium Rate | 5% of monthly basic salary |
| Employee Share | 2.5% |
| Employer Share | 2.5% |
| Income Floor | ₱10,000/month |
| Income Ceiling | ₱100,000/month |
| Minimum Monthly Contribution | ₱500 total (₱250 employee + ₱250 employer) |
| Maximum Monthly Contribution | ₱5,000 total (₱2,500 employee + ₱2,500 employer) |
| Rate Change for 2026? | No — same as 2025. No further increases planned. |
Employee and Employer PhilHealth Contribution Table 2026
For employed members, the 5% premium is split equally — 2.5% from the employee and 2.5% from the employer. Contributions are based on monthly basic salary only — allowances and overtime are excluded.
| Monthly Basic Salary | Monthly Premium (5%) | Employee Share (2.5%) | Employer Share (2.5%) |
|---|---|---|---|
| ₱10,000 and below | ₱500.00 | ₱250.00 | ₱250.00 |
| ₱11,000 | ₱550.00 | ₱275.00 | ₱275.00 |
| ₱12,000 | ₱600.00 | ₱300.00 | ₱300.00 |
| ₱13,000 | ₱650.00 | ₱325.00 | ₱325.00 |
| ₱14,000 | ₱700.00 | ₱350.00 | ₱350.00 |
| ₱15,000 | ₱750.00 | ₱375.00 | ₱375.00 |
| ₱16,000 | ₱800.00 | ₱400.00 | ₱400.00 |
| ₱17,000 | ₱850.00 | ₱425.00 | ₱425.00 |
| ₱18,000 | ₱900.00 | ₱450.00 | ₱450.00 |
| ₱19,000 | ₱950.00 | ₱475.00 | ₱475.00 |
| ₱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 |
| ₱35,000 | ₱1,750.00 | ₱875.00 | ₱875.00 |
| ₱40,000 | ₱2,000.00 | ₱1,000.00 | ₱1,000.00 |
| ₱45,000 | ₱2,250.00 | ₱1,125.00 | ₱1,125.00 |
| ₱50,000 | ₱2,500.00 | ₱1,250.00 | ₱1,250.00 |
| ₱60,000 | ₱3,000.00 | ₱1,500.00 | ₱1,500.00 |
| ₱70,000 | ₱3,500.00 | ₱1,750.00 | ₱1,750.00 |
| ₱80,000 | ₱4,000.00 | ₱2,000.00 | ₱2,000.00 |
| ₱90,000 | ₱4,500.00 | ₱2,250.00 | ₱2,250.00 |
| ₱100,000 and above | ₱5,000.00 (max) | ₱2,500.00 (max) | ₱2,500.00 (max) |
How to compute your PhilHealth contribution: Multiply your monthly basic salary by 5%. Then divide by 2 — that’s your share. Your employer pays the other half.
Example: Salary of ₱30,000 × 5% = ₱1,500 total. Employee pays ₱750. Employer pays ₱750.
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Self-Employed and Voluntary Members — PhilHealth Contribution 2026
Self-employed and voluntary members pay the full 5% themselves — there is no employer to share the cost. Use the same table above and double the employee share column to get your total monthly contribution.
| Monthly Income | Total Monthly Contribution (5%) |
|---|---|
| ₱10,000 and below | ₱500.00 |
| ₱15,000 | ₱750.00 |
| ₱20,000 | ₱1,000.00 |
| ₱30,000 | ₱1,500.00 |
| ₱50,000 | ₱2,500.00 |
| ₱75,000 | ₱3,750.00 |
| ₱100,000 and above | ₱5,000.00 (maximum) |
OFW PhilHealth Contributions 2026
PhilHealth membership is mandatory for all Overseas Filipino Workers (OFWs).
| OFW Type | Annual Premium | Monthly Equivalent |
|---|---|---|
| Land-Based OFW | ₱6,000/year | ₱500/month |
| Sea-Based OFW | Salary-based rate (5%) | Based on declared income |
Kasambahay / Household Employee PhilHealth Contributions 2026
For kasambahay earning below ₱5,000/month, the household employer pays the full PhilHealth contribution. For kasambahay earning ₱5,000 and above, the standard 50-50 split applies.
Special PhilHealth Members — No Contributions Required
- Senior Citizens (60 and above) — automatically covered for life under RA 10645. Government pays their contributions.
- Lifetime Members — members who have paid at least 120 monthly contributions are covered for life with no further payments needed.
- Indigent Members — identified by DSWD as financially disadvantaged, covered by government subsidy.
PhilHealth Benefits — What You Get
Active PhilHealth members and their dependents are entitled to:
- Inpatient benefits — hospital admissions, confinements, surgical procedures
- Outpatient benefits — day surgeries, emergency care, mental health packages
- Z-Benefits — coverage for catastrophic conditions including cancer, kidney disease, and heart disease
- YAKAP Program — 75 free medicines, 13 free lab tests, and 6 cancer screening tests at accredited primary care clinics
- Maternity benefits — coverage for normal and caesarean deliveries
How to Pay PhilHealth Contributions 2026
- Employed members — employer automatically deducts and remits. No action needed.
- PhilHealth Member Portal — pay online at philhealth.gov.ph
- GCash or Maya — pay directly through e-wallet apps
- Bayad Center, SM Bills Payment, Robinsons — over-the-counter payment centers
- Online banking — BDO, BPI, Metrobank and other accredited banks
Payment deadline for employers: On or before the 15th of the month following the applicable contribution month.
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Frequently Asked Questions — PhilHealth Contribution Table 2026
What is the PhilHealth contribution rate in 2026?
The PhilHealth contribution table 2026 shows a rate of 5% of monthly basic salary — split equally between employee (2.5%) and employer (2.5%). No rate increase for 2026.
What is the minimum PhilHealth contribution in 2026?
₱500/month total based on the income floor of ₱10,000. The employee share is ₱250 and the employer share is ₱250.
What is the maximum PhilHealth contribution in 2026?
₱5,000/month total based on the income ceiling of ₱100,000. The employee share is ₱2,500 and the employer share is ₱2,500.
Will PhilHealth rates increase in 2026?
No. The 5% rate is confirmed for 2026 with no further increases announced. The gradual rate increase schedule under the Universal Health Care Law has been completed.
Is PhilHealth mandatory?
Yes — PhilHealth is mandatory for all employed Filipinos under the Universal Health Care Law (RA 11223). Self-employed and OFW members are also required to contribute.
How do I check my PhilHealth contributions?
Log in to the PhilHealth Member Portal at philhealth.gov.ph, call the hotline at (02) 8441-7442, or visit any PhilHealth office.
What is the PhilHealth YAKAP program?
YAKAP is PhilHealth’s primary care program offering 75 free medicines, 13 free lab tests, and 6 cancer screenings at accredited clinics nationwide — completely free for active PhilHealth members.
Can I use PhilHealth benefits if I missed payments?
Your benefits may be suspended if you miss payments. You may need to settle missed contributions before accessing benefits again. Employers who fail to remit face penalties.
Want to know your take-home pay? Try our Net Salary Calculator Philippines to compute your monthly deductions instantly.
Also See — Complete Philippine Contribution Tables
Finance Max covers all three mandatory Philippine payroll deductions. Check our other updated guides:
- SSS Contribution Table 2026 — updated 15% rates for all member types
- Pag-IBIG Contribution Table 2026 — updated rates under HDMF Circular 460
Last updated: May 2026. Always verify current rates at philhealth.gov.ph. Finance Max is not affiliated with the official PhilHealth.
