PhilHealth Contribution Table 2026 — 5% Premium Rate
2026 PhilHealth contribution table (employed members)
The premium is 5% of your monthly basic salary, shared 50/50 with your employer. Salaries at or below the ₱10,000 floor pay a fixed ₱500; salaries at or above the ₱100,000 ceiling pay a fixed ₱5,000.
| Monthly basic salary | Total premium (5%) | Employee (2.5%) | Employer (2.5%) |
|---|---|---|---|
| ₱10,000 and below | ₱500 | ₱250 | ₱250 |
| ₱15,000 | ₱750 | ₱375 | ₱375 |
| ₱20,000 | ₱1,000 | ₱500 | ₱500 |
| ₱30,000 | ₱1,500 | ₱750 | ₱750 |
| ₱40,000 | ₱2,000 | ₱1,000 | ₱1,000 |
| ₱50,000 | ₱2,500 | ₱1,250 | ₱1,250 |
| ₱75,000 | ₱3,750 | ₱1,875 | ₱1,875 |
| ₱100,000 and above | ₱5,000 | ₱2,500 | ₱2,500 |
Premium rate of 5% under RA 11223 (Universal Health Care Act) — the final scheduled rate, in force since 2024. Income floor ₱10,000, ceiling ₱100,000. For employed members the premium is split equally with the employer.
The 5% rate is the final step
The Universal Health Care Act scheduled PhilHealth premiums to climb gradually toward 5%. That final 5% rate was reached in 2024 and still applies in 2026 — the law schedules no further increase, so the table above is the settled rate rather than another interim step.
Self-employed and voluntary members
Self-employed, voluntary and other direct-contributing members pay the full 5% of their declared monthly income themselves, within the same ₱10,000 floor and ₱100,000 ceiling. Overseas Filipino Workers are covered under their own contribution rules.
Thinking about a government job?
Government employees pay into GSIS instead of SSS. Most government positions need civil service eligibility, which you get by passing the CSC's Career Service Exam (or a PRC board or bar exam, under RA 1080). The next Career Service Exam is on 14 March 2027, with applications from 2 November 2026.
Sources & Official References
Frequently Asked Questions
How much is the PhilHealth contribution in 2026?
In 2026 the PhilHealth premium is 5% of your monthly basic salary. Employed members split it equally with their employer — 2.5% each — so an employee earning ₱20,000 pays ₱500 a month.
What is the maximum PhilHealth contribution in 2026?
The income ceiling is ₱100,000, so the maximum monthly premium is ₱5,000 total — ₱2,500 from the employee and ₱2,500 from the employer.
Will PhilHealth contributions increase after 2026?
Not under the current law. The 5% rate is the final step scheduled under the Universal Health Care Act, so the premium rate is not set to rise further.
How much do self-employed members pay?
Self-employed and voluntary members pay the full 5% of their declared income themselves, within the ₱10,000 floor and ₱100,000 ceiling — from ₱500 up to ₱5,000 a month.
Related tools & guides
More in Government Benefits
View allSSS Contribution Table 2026 — Employee & Employer Rates
The 2026 SSS contribution rate is 15% of your Monthly Salary Credit (5% employee, 10% employer). Full table for MSC ₱5,000–₱35,000, plus EC and the MySSS Pension Booster (WISP).
Pag-IBIG Contribution Table 2026 — Updated HDMF Rates
The 2026 Pag-IBIG contribution rate is 2%, with the Monthly Fund Salary capped at ₱10,000 — so the maximum employee deduction is ₱200, matched by ₱200 from the employer.
GSIS Contribution Table 2026 — Government Employee Rates
GSIS members contribute 9% of monthly salary; the government adds 12%, for a total of 21%. Full 2026 GSIS contribution table by salary, plus what the premium covers.