PhilHealth Contribution Calculator 2026

As of 2026, the PhilHealth premium is 5% of your monthly basic salary, with an income floor of ₱10,000 and a ceiling of ₱100,000 — so the premium runs from ₱500 to ₱5,000 per month. Employed members share it equally with their employer (2.5% each); self-earning members and OFWs pay the full 5% as direct contributors.

Updated: August 2026

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PhilHealth Contribution Calculator

Monthly basic salary / income

₱

Premium is 5% of monthly basic salary, floor ₱10,000 / ceiling ₱100,000.

PhilHealth Contribution Table 2026

Monthly Basic Salary	Premium Base	Total Premium (5%)	Employee Share	Employer Share
₱10,000 and below	₱10,000 (floor)	₱500.00	₱250.00	₱250.00
₱15,000.00	₱15,000.00	₱750.00	₱375.00	₱375.00
₱20,000.00	₱20,000.00	₱1,000.00	₱500.00	₱500.00
₱25,000.00	₱25,000.00	₱1,250.00	₱625.00	₱625.00
₱30,000.00	₱30,000.00	₱1,500.00	₱750.00	₱750.00
₱40,000.00	₱40,000.00	₱2,000.00	₱1,000.00	₱1,000.00
₱50,000.00	₱50,000.00	₱2,500.00	₱1,250.00	₱1,250.00
₱60,000.00	₱60,000.00	₱3,000.00	₱1,500.00	₱1,500.00
₱80,000.00	₱80,000.00	₱4,000.00	₱2,000.00	₱2,000.00
₱100,000 and above	₱100,000 (ceiling)	₱5,000.00	₱2,500.00	₱2,500.00

Any salary between the floor and ceiling follows the same 5% formula — the calculator above gives the exact figure for your salary. Direct contributors (self-earning, OFW) pay the "Total Premium" column in full.

Income Floor and Ceiling

The premium is never computed on less than ₱10,000 or more than ₱100,000 of monthly income. Earning ₱7,000? Your premium base is still ₱10,000 (premium ₱500). Earning ₱150,000? Your base is capped at ₱100,000 (premium ₱5,000). "Monthly basic salary" excludes commissions, overtime, allowances, 13th month pay and bonuses.

Employee and Employer Sharing

For employed members — private and government, including sea-based OFWs — the premium is split equally: 2.5% deducted from your payroll, 2.5% added by your employer. Your payslip deduction should be exactly half of the total premium.

Self-Paying and Direct Contributors

Self-earning individuals, professional practitioners and land-based OFWs pay the premium "wholly and individually" — the full 5%. PhilHealth allows monthly, quarterly, semi-annual or annual payment. Pay only through the official PhilHealth website and its accredited collecting partners.

Example Computations

Example 1 — Employee at ₱18,500: premium = 5% × ₱18,500 = ₱925. You pay ₱462.50, your employer pays ₱462.50.

Example 2 — Freelancer declaring ₱35,000: premium = 5% × ₱35,000 = ₱1,750, paid in full by you (can be paid ₱5,250 per quarter).

Example 3 — Employee at ₱120,000: base capped at ₱100,000 → premium ₱5,000. You pay ₱2,500, your employer pays ₱2,500.

Official Source

Based on PhilHealth Circular 2020-0005 (Rev. 1) under RA 11223; PhilHealth Advisory 2026-0042 (5% for CY 2026), last verified August 19, 2026 against PhilHealth Advisory No. 2026-0042 (philhealth.gov.ph) and PhilHealth Circular 2020-0005 (Rev. 1). For payments, member records and the Konsulta program, use the official PhilHealth portal — AyTool is independent and cannot access your PhilHealth records.

Frequently Asked Questions

How much is the PhilHealth contribution in 2026?

The PhilHealth premium in 2026 is 5% of your monthly basic salary, with an income floor of ₱10,000 and a ceiling of ₱100,000. The minimum premium is ₱500 per month and the maximum is ₱5,000. Employed members split it 50/50 with their employer; direct contributors pay the full amount.

How do I compute my PhilHealth contribution?

Multiply your monthly basic salary by 5%, after applying the floor and ceiling. Example: ₱25,000 salary × 5% = ₱1,250 total premium; an employed member pays half (₱625) and the employer pays the other half. A salary of ₱8,000 uses the ₱10,000 floor, so the premium is ₱500.

Did PhilHealth increase the contribution rate for 2026?

No. The 5% rate with a ₱100,000 ceiling is the final tier scheduled under the Universal Health Care Act (RA 11223) and has applied since 2025. PhilHealth confirmed the same 5% schedule for 2026.

How do self-employed members pay PhilHealth?

Self-earning members are direct contributors: they pay the full 5% of their declared monthly income themselves (floor ₱10,000 / ceiling ₱100,000). Payment can be made monthly, quarterly, semi-annually, or annually through official PhilHealth channels.

Who pays the PhilHealth premium of a kasambahay?

If a kasambahay (domestic worker) earns less than ₱5,000 per month, the household employer shoulders the entire premium under the Kasambahay Law (RA 10361). At ₱5,000 or more, the kasambahay pays their proportionate share.