GUIDE

PhilHealth Contribution Rate and Table (2026)

How PhilHealth premiums are calculated, who pays what, and why you should always confirm the current rate and salary cap before trusting any table.

Step by step

1. Find the official current rateStart at philhealth.gov.ph and look for the latest premium contribution circular or advisory. The premium rate is expressed as a percentage of monthly basic salary. Because it has stepped up in past years, do not assume last year's figure still applies, confirm the number for the current year before you compute anything.
2. Identify the income floor and ceilingPhilHealth sets a minimum income (floor) and maximum income (ceiling) for the computation. If your salary is below the floor, your premium is computed as if you earned the floor amount; if above the ceiling, it is capped at the ceiling. For 2026 these are commonly reported around PHP10,000 and PHP100,000, but verify the exact amounts officially.
3. Compute the monthly premiumMultiply your monthly basic salary (bounded by the floor and ceiling) by the current premium rate. As of 2026, with a 5% rate, that spans roughly PHP500 at the floor to PHP5,000 at the ceiling. Treat these as indicative and recompute with the confirmed official rate and cap.
4. Apply the right split for your member typeIf you are an employee, the premium is shared equally with your employer, so your take-home deduction is half the total. If you are self-employed, a voluntary member or an OFW direct contributor, you generally shoulder the full premium yourself.
5. Choose a payment schedule if you pay yourselfSelf-paying members can usually pay monthly, quarterly, semi-annually or annually through PhilHealth's accepted channels. Pick a schedule you can keep up with, since gaps in contributions can affect your standing as a direct contributor.
6. Pay through official channels and verify postingPay only through PhilHealth-accredited collecting agents or official online facilities, then confirm the payment posted to your record via the Member Portal. Keep every receipt or reference number in case a contribution does not appear.

How PhilHealth premiums are built

PhilHealth contributions are not a flat fee. They are a percentage of your monthly basic salary, bounded at both ends by an income floor and an income ceiling. Understanding those three numbers, the rate, the floor and the ceiling, is all you really need to work out what you or your staff should be paying. The complication is simply that all three can be adjusted from year to year, which is why a contribution table saved from a previous year can quietly become wrong. Getting the computation right matters beyond payroll compliance, because your contribution history is also what keeps you in good standing as a direct contributor when you or your dependents eventually need to use a benefit.

This is general civic information from an independent site, not financial or payroll advice, and it is not an official PhilHealth channel. Every figure below is described as “as of 2026” and “reported,” and you should confirm the current rate, floor and ceiling on philhealth.gov.ph or in the latest PhilHealth circular before you use them for payroll or your own budgeting.

The rate, floor and ceiling as of 2026

As of 2026, the premium rate is widely reported as 5% of monthly basic salary. The rate has climbed in steps over recent years, so the single most important habit is to check the figure for the current year rather than assuming it is unchanged. Alongside the rate, PhilHealth sets an income floor and an income ceiling. For 2026 these are commonly cited as roughly PHP10,000 and PHP100,000. If you earn below the floor, your premium is computed as though you earned the floor; if you earn above the ceiling, the premium is capped at the ceiling. None of these numbers is permanent, and the premium rate and salary cap in particular have been changed in past years, so treat the specific values as something to verify, not as fixed law.

What that works out to

Putting the pieces together, a 5% rate with a PHP10,000 floor and a PHP100,000 ceiling produces a monthly premium somewhere between about PHP500 at the low end and about PHP5,000 at the high end. A member earning PHP20,000 a month would, at a 5% rate, have a total premium of about PHP1,000; a member earning PHP50,000 would be around PHP2,500; and anyone earning above the ceiling is computed as if they earned exactly the ceiling. These examples are only as reliable as the underlying rate and cap, so recompute them once you have confirmed the official figures for the year.

Who pays what

How the premium is shared depends on what kind of member you are. For employed members, the premium is split equally between you and your employer, so the deduction you actually see on your payslip is half of the total figure. For self-employed members, voluntary members and OFW direct contributors, there is no employer to share the cost, so you generally shoulder the full premium yourself, within the same floor and ceiling. This difference is the reason a self-paying professional and an employee on the same salary do not feel the same monthly cost.

Paying if you contribute yourself

If you pay your own contributions, PhilHealth generally lets you choose a schedule, monthly, quarterly, semi-annually or annually, through its accepted channels. Pick a rhythm you can realistically maintain, because gaps in your contribution history can affect your standing as a direct contributor and, in turn, how smoothly benefits apply when you need them. After paying, confirm that the contribution actually posted to your record through the official Member Portal, and keep the receipt or reference number. Payments do occasionally fail to appear, and a saved reference is what lets you get it fixed quickly.

Why online tables disagree

If you search for a PhilHealth contribution table you will find many versions, and some will contradict each other. There are two reasons. First, most of them are secondary guides rather than the official circular. Second, because the rate and cap have genuinely changed over the years, a page that was correct when it was written can be outdated now without being obviously wrong. The safe approach is to use third-party tables, including this one, only to understand how the computation works, and to take the actual numbers from the current PhilHealth circular.

Staying safe

Contributions are a favourite theme for scams that borrow government branding. No legitimate PhilHealth process asks for your account password or a one-time password in order to compute or accept a contribution, and none promises to lower your premium or “fix” your standing for a fee. Pay only through accredited collecting agents or the official online facility, start from philhealth.gov.ph rather than from a link in a message, and be sceptical of any page whose web address is only slightly different from the official one.

Gabay is an independent guide and is not affiliated with any government agency. Fees, links and steps can change — always confirm on the official portal before you act. This is general information, not legal or financial advice.