PhilHealth contribution calculator

The formula

Monthly premium = 5% × monthly income

• Income below PHP 10,000 counts as PHP 10,000, so the premium is never less than PHP 500 a month.
• Income above PHP 100,000 counts as PHP 100,000, so the premium is never more than PHP 5,000 a month.
• Employed members, including sea-based OFWs, share the premium equally with the employer. Land-based OFWs and self-earning members pay all of it.

One worked line: an employee earning PHP 28,000 pays 5% of PHP 28,000, which is PHP 1,400.00 a month, split into PHP 700.00 from the employee and PHP 700.00 from the employer.

The figures used

Premium rate

5%

Income floor

PHP 10,000.00

Income ceiling

PHP 100,000.00

Lowest monthly premium

PHP 500.00

Highest monthly premium

PHP 5,000.00

These come from PhilHealth Circular No. 2020-0005, kept for 2025 by Advisory No. 2025-0002 and applied in 2026 to direct contributors, “including Overseas Filipino Workers”, by Advisory No. 2026-0042, signed 21 July 2026. All three were last checked on 20 October 2026. PhilHealth had published no circular with different figures for 2026.

Assumptions and limits

• What counts as income. For employees, the basic monthly salary. For land-based OFWs and self-earning members, monthly income. If you can’t show proof of your actual income, PhilHealth charges the premium at the ceiling (UHC Act rules, Sec. 10.2).
• Member types left out. Kasambahay, lifetime members, senior citizens and members whose premium the government pays follow other rules; the contribution table explains them.
• Late payment. Interest on late premiums is not included.
• Rounding. We round to the centavo. PhilHealth’s own bill may round differently.
• This is an estimate. It is not a PhilHealth billing statement. Self-paying members get the official amount from PhilHealth’s Statement of Premium Account.

The disclaimer for every calculator on this site is in our terms.

Check with PhilHealth

PhilHealth had no premium calculator on philhealth.gov.ph as of 20 October 2026. The nearest official tool is PhilHealth’s Statement of Premium Account generator, which works out the amount due from your monthly income and the months you are paying for. PhilHealth’s premium contribution table for employers is also on its site.

Read more

• PhilHealth contribution table 2026: every member type, deadlines and recent changes.
• How to pay PhilHealth online, including from abroad.
• PhilHealth for OFWs and the family at home.
• All our calculators.