PhilHealth Contribution Table 2026
Complete PhilHealth contribution table with your exact monthly premium, employee share and employer share for every salary bracket.
Last updated: January 2026 · PhilHealth Circular No. 2019-0009 · RA 11223 (Universal Health Care Act)
| Monthly Basic Salary | Total Premium | Employee Share | Employer Share |
|---|---|---|---|
| Below ₱10,000 | ₱500.00 | ₱250.00 | ₱250.00 |
| ₱10,000 | ₱500.00 | ₱250.00 | ₱250.00 |
| ₱12,000 | ₱600.00 | ₱300.00 | ₱300.00 |
| ₱14,000 | ₱700.00 | ₱350.00 | ₱350.00 |
| ₱16,000 | ₱800.00 | ₱400.00 | ₱400.00 |
| ₱18,000 | ₱900.00 | ₱450.00 | ₱450.00 |
| ₱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 | ₱2,500.00 | ₱2,500.00 |
Formula: Monthly Basic Salary × 5% = Total Premium. Employee share = 2.5%. Employer share = 2.5%. Floor: ₱10,000. Ceiling: ₱100,000.
How to Read the PhilHealth Contribution Table
The PhilHealth contribution table is simpler than SSS because it uses a single continuous formula rather than fixed brackets. For any salary between ₱10,000 and ₱100,000, your total monthly premium is exactly 5% of your monthly basic salary. You pay half — 2.5% — and your employer pays the other half. If your salary falls between two rows in the table, simply multiply your exact salary by 0.025 to get your personal monthly deduction.
The income floor means that even if you earn less than ₱10,000 per month, PhilHealth computes your premium as if you earned ₱10,000 — giving a minimum deduction of ₱250. This protects PhilHealth’s fund while ensuring all active members maintain a minimum coverage level. The income ceiling at ₱100,000 means that no employed member pays more than ₱2,500 per month in employee premium, regardless of how high the salary goes.
Rates for Voluntary and Self-Employed Members
Voluntary members, self-employed individuals, and OFWs follow the same 5% rate and the same ₱10,000 floor and ₱100,000 ceiling. The key difference is that these members shoulder the full 5% themselves — there is no employer to split the cost. A self-employed member earning ₱30,000 per month pays ₱1,500 in full, compared to the ₱750 an employed worker at the same salary pays.
Voluntary members may choose to pay monthly, quarterly, semi-annually, or annually. Payment can be made through the PhilHealth Member Portal, GCash, Maya, online banking, or any PhilHealth-accredited collecting agent. Late payments are subject to interest charges of up to 1.5% per month for self-employed members, professionals and land-based OFWs. Keeping contributions current matters — gaps in payment can affect your benefit eligibility during the period of non-payment.
| Member Type | Rate | Who Pays | Max Monthly |
|---|---|---|---|
| Employed (private/govt) | 5% total | Split 50/50 | ₱2,500 |
| Voluntary / Self-employed | 5% total | Full — member | ₱5,000 |
| OFW (land-based) | 5% total | Full — member | ₱5,000 |
| Senior citizen / indigent | — | Government sponsored | ₱0 |
What Counts as Monthly Basic Salary
PhilHealth bases your premium on your monthly basic salary — not your total compensation. Basic salary is the fixed amount you receive for regular work hours, excluding overtime pay, allowances, bonuses, commissions, and other variable compensation. If your employment contract states a basic salary of ₱22,000 plus a meal allowance of ₱2,000 and a transportation allowance of ₱1,500, your PhilHealth premium is computed on ₱22,000 only — giving a monthly deduction of ₱550.
This distinction matters because many workers see a total monthly pay that is higher than their basic salary once all allowances are included. Your PhilHealth deduction will always be lower than 2.5% of your total take-home amount for this reason. If you are unsure what your basic salary is for PhilHealth purposes, check your employment contract or ask your HR department for the amount used as the basis for government contributions.
Frequently Asked Questions
How do I verify my PhilHealth contributions are being posted?
Log in to the PhilHealth Member Portal at philhealth.gov.ph using your PhilHealth Identification Number (PIN). Under Member Records you can view your contribution history by month and year. If a month is missing despite a deduction on your payslip, your employer may not have remitted the payment — you can file a complaint with PhilHealth directly.
Does PhilHealth contribution change when I get a raise?
Yes. Your premium is recomputed based on your new basic salary as soon as your employer updates your records with PhilHealth. There are no fixed bracket steps — every change in basic salary changes your exact premium amount. Your employer is responsible for updating your salary information and remitting the correct adjusted premium.
What is the 13th month pay treatment for PhilHealth?
The 13th month pay is not included in your monthly basic salary for PhilHealth contribution purposes. It is a separate mandatory benefit under PD 851 and is not used as a basis for any monthly government contribution computation. Your PhilHealth deduction on the month your 13th month pay is released will be the same as any other month — based on your regular basic salary only.
Also in Philippines:
📋 Rates verified — Official sources: philhealth.gov.ph · PhilHealth Circular No. 2019-0009 · RA 11223 (Universal Health Care Act)
⚠️ This page is for informational purposes only and does not constitute legal or financial advice. KnowMyGovt is not affiliated with PhilHealth nor the Philippine government. Always verify with official government sources at philhealth.gov.ph.
