PhilHealth Contribution Calculator Philippines 2026
PhilHealth Contribution Calculator 2026
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PhilHealth Contribution Rate 2026
The PhilHealth premium contribution rate for 2026 is 5% of your monthly basic salary, unchanged from 2025. This rate is set under the Universal Health Care Act (Republic Act No. 11223) and applies to all direct contributors — employed members, self-employed, voluntary members, and OFWs. Source: philhealth.gov.ph
2026 PhilHealth Contribution Quick Reference
| Detail | Amount |
|---|---|
| Premium Rate | 5% of monthly basic salary |
| Salary Floor | ₱10,000 |
| Salary Ceiling | ₱100,000 |
| Minimum Monthly Premium | ₱500 (₱250 employee + ₱250 employer) |
| Maximum Monthly Premium | ₱5,000 (₱2,500 employee + ₱2,500 employer) |
| Employee Share | 2.5% of monthly basic salary |
| Employer Share | 2.5% of monthly basic salary |
| OFW Land-Based (fixed) | ₱500/month (₱6,000/year) |
PhilHealth Contribution Examples 2026
| Monthly Salary | Total Premium | Employee Share | Employer Share |
|---|---|---|---|
| ₱10,000 or below | ₱500 | ₱250 | ₱250 |
| ₱15,000 | ₱750 | ₱375 | ₱375 |
| ₱20,000 | ₱1,000 | ₱500 | ₱500 |
| ₱30,000 | ₱1,500 | ₱750 | ₱750 |
| ₱50,000 | ₱2,500 | ₱1,250 | ₱1,250 |
| ₱100,000 or above | ₱5,000 | ₱2,500 | ₱2,500 |
How to Compute Your PhilHealth Contribution
The formula is straightforward:
Total Premium = Monthly Basic Salary × 5%
Employee Share = Total Premium ÷ 2
Employer Share = Total Premium ÷ 2
Important rules:
- If salary is below ₱10,000 — use ₱10,000 as the base (minimum premium ₱500)
- If salary is above ₱100,000 — use ₱100,000 as the base (maximum premium ₱5,000)
- Bonuses, overtime, and allowances are NOT included in the computation base
- Self-employed and voluntary members pay the full 5% themselves
PhilHealth Contributions by Member Type
| Member Type | Rate | Who Pays |
|---|---|---|
| Employed | 5% of basic salary | 50% employee, 50% employer |
| Self-Employed | 5% of declared income | Full amount paid by member |
| Voluntary | 5% of declared income | Full amount paid by member |
| OFW Land-Based | Fixed ₱500/month | Full amount paid by OFW |
| Kasambahay | 5% of salary | Employer pays full amount if salary below ₱5,000 |
| Senior Citizen | Exempt | Government subsidized — no payment required |
Related Calculators and Guides
- Net Salary Calculator Philippines — compute your full take-home pay after all deductions
- PhilHealth Contribution Table 2026 — full rate table for all salary brackets
- SSS Contribution Table 2026 — check your SSS deductions
- Pag-IBIG Contribution Table 2026 — check your Pag-IBIG deductions
Frequently Asked Questions
What is the PhilHealth contribution rate in 2026?
The PhilHealth premium rate for 2026 is 5% of your monthly basic salary, shared equally between employee (2.5%) and employer (2.5%). The minimum monthly premium is ₱500 and the maximum is ₱5,000. Source: philhealth.gov.ph
How much is deducted from my salary for PhilHealth?
Your PhilHealth deduction is 2.5% of your monthly basic salary. For example, if you earn ₱30,000 a month, your deduction is ₱750. Your employer pays another ₱750, making the total premium ₱1,500.
What is the maximum PhilHealth contribution in 2026?
The maximum monthly PhilHealth contribution is ₱5,000 total — ₱2,500 employee share and ₱2,500 employer share — based on the ₱100,000 salary ceiling.
Do self-employed members pay more than employed members?
Self-employed and voluntary members pay the same 5% rate, but they shoulder the full amount themselves — there is no employer to split the cost with. For a declared income of ₱30,000, a self-employed member pays ₱1,500/month compared to ₱750 for an employed member at the same salary.
Is PhilHealth contribution based on gross salary or basic salary?
PhilHealth contributions are based on monthly basic salary only. Overtime pay, bonuses, allowances, and other compensation are not included in the computation base.
Are senior citizens required to pay PhilHealth?
No — senior citizens (60 years and above) are fully exempt from PhilHealth premium contributions under Republic Act No. 10645. Their coverage is automatic and subsidized by the government.
Disclaimer: This calculator is for informational purposes only. PhilHealth contribution rates may change. Always verify current rates at philhealth.gov.ph. This site is not affiliated with or endorsed by PhilHealth or any Philippine government agency.
