PhilHealth contribution table 2026

For 2026 the PhilHealth premium is 5% of monthly income, with an income floor of PHP 10,000 and a ceiling of PHP 100,000. That makes the monthly premium PHP 500 at least and PHP 5,000 at most. Nothing changed for 2026: these are the figures the law set for 2024 and 2025, which PhilHealth Advisory No. 2026-0042 (signed 21 July 2026) still applies to direct contributors, including OFWs. As of 20 October 2026, PhilHealth had published no 2026 circular with new figures.

The table

From PhilHealth Circular No. 2020-0005, for 2024 and 2025, and still applied in 2026 by Advisory No. 2026-0042. Employed members split the premium equally with the employer.

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For land-based OFWs and other self-paying members there is no employer share: you pay the whole monthly premium.

By member type

Each line is as PhilHealth’s circulars and the UHC Act rules state it.

• Employed, private or government. The premium is worked out on the basic monthly salary and shared equally between employee and employer (Circular No. 2020-0005, V.B).
• Sea-based OFWs. Counted with employed members: shared equally, deducted monthly from salary by the manning agency or employer.
• Land-based OFWs. Pay the whole premium themselves, on their monthly income (V.E). Without acceptable proof of actual income, PhilHealth charges the premium at the ceiling (UHC Act rules, Sec. 10.2).
• Self-earning and professional practitioners. The same as land-based OFWs: the whole premium, on monthly income, charged at the ceiling without proof of income.
• Kasambahay (household workers). The household employer pays the whole premium. A kasambahay earning PHP 5,000 a month or more pays their “proportionate share” (V.G).
• Lifetime members. Members aged 60 or over who paid at least 120 monthly contributions. The law and PhilHealth’s circular say different things about whether they pay. Republic Act No. 10606 says: “The following need not pay the monthly contributions to be entitled to the Program’s benefits: … (b) Lifetime members.” Circular No. 2020-0005 (V.F) says lifetime and senior citizen members “who obtain a regular source of income from employment, practice of profession and other means of income shall resume paying”. If this applies to you or a parent, confirm with PhilHealth.
• Senior citizens. All are covered under Republic Act No. 10645, paid from government funds. Seniors with an income keep paying. See PhilHealth for senior citizens.
• Indirect contributors. Their premium is subsidised by the national government (RA 11223, Sec. 4).

Worked examples

Using the figures above, rounded to the centavo.

A land-based OFW earning PHP 8,000 a month

Income counted (raised to the floor)

PHP 10,000.00

Monthly premium, all paid by the member

PHP 500.00

An employee earning PHP 35,000 a month

Monthly premium (5% of PHP 35,000)

PHP 1,750.00

Employee pays

PHP 875.00

Employer pays

PHP 875.00

A self-earning member earning PHP 150,000 a month

Income counted (capped at the ceiling)

PHP 100,000.00

Monthly premium, all paid by the member

PHP 5,000.00

How the premium is worked out

Premium = 5% × monthly income, where income below PHP 10,000 counts as PHP 10,000 and income above PHP 100,000 counts as PHP 100,000. For employed members, half is the employee’s and half the employer’s.

The PhilHealth contribution calculator does this for you by member type.

Paying and deadlines

• Employers remit by PhilHealth Employer Number (PEN): if it ends in 0 to 4, between the 11th and 15th of the month after; if it ends in 5 to 9, between the 16th and 20th.
• Self-paying members, meaning self-earning people, professionals and overseas Filipinos except sea-based workers, must pay each year’s premiums by 31 December of that year. Last year’s can still be paid without interest until 31 January (Circular No. 2026-0011).
• Statement of Premium Account (SPA). Advisory No. 2026-0016 says self-paying members must get and present an SPA from 1 April 2026. Circular No. 2026-0011 treats 2026 as a transition year, with the SPA required from 1 January 2027. PhilHealth’s SPA generator works out the amount due from your income.
• Late payment. RA 11223 Sec. 9 sets interest of at least 3% for employers and not more than 1.5% for self-earning members, professionals and migrant workers. Circular No. 2026-0011 says it is compounded monthly for self-paying members.

OFWs can pay monthly, quarterly, every six months or yearly. See how to pay PhilHealth online.

Your qualified dependents, such as a spouse, young children or parents aged 60 or over, are covered through your membership: the law counts direct contributors “including their qualified dependents” (RA 11223, Sec. 4). See PhilHealth dependents.

Recent changes

The Universal Health Care Act set a rising schedule for direct contributors. The law’s table stops at 2025:

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Source: RA 11223 Sec. 10. In 2023 the rate did not go up as scheduled: PhilHealth’s own contribution table says it “remains at 4% for CY2023 in view of the suspension of premium adjustment as ordered by President Ferdinand R. Marcos, Jr.” Advisory No. 2025-0002 kept 5%, PHP 10,000 and PHP 100,000 for 2025, and Advisory No. 2026-0042 still applies 5% in 2026. A change would come in a new PhilHealth circular or advisory, so if this page’s last-checked date is old, look for a newer one.