What Is the PhilHealth Contribution Table?

The PhilHealth Contribution Table is the official schedule published by the Philippine Health Insurance Corporation that specifies how much each member must pay as a monthly health insurance premium. The table is structured around salary brackets, with contributions calculated as a percentage of monthly basic salary. For employed members, the table also defines how the premium is split between the employer and the employee. Understanding this table is essential because your contributions directly determine your eligibility to claim PhilHealth benefits when you need medical care.

The 2026 PhilHealth Premium Rate

Under the Universal Health Care Act, the PhilHealth premium rate for 2026 is 5% of the member’s monthly basic salary. This rate applies to all direct contributors — employed, self-employed, voluntary members, and Overseas Filipino Workers. The 5% rate is designed to sustainably fund the National Health Insurance Program while expanding benefit packages for every Filipino. The rate is applied to a salary floor and ceiling, which act as the minimum and maximum income bases for contribution computation.

Salary Floor and Ceiling Explained

PhilHealth uses a salary floor and a salary ceiling to standardize contribution amounts. The salary floor is the minimum monthly income used for computing contributions. If your actual salary is lower than the floor, your contribution is still calculated as if you earn the floor amount. The salary ceiling is the maximum monthly income considered. Even if you earn more than the ceiling, your contribution is capped at the ceiling amount.

• Salary Floor: ₱10,000 per month
• Salary Ceiling: ₱100,000 per month

This means the minimum monthly contribution is 5% of ₱10,000, and the maximum monthly contribution is 5% of ₱100,000. No member pays less than the floor-based contribution, and no member pays more than the ceiling-based contribution, regardless of their actual income.

Employed Members: Employer and Employee Share

For formally employed members in both the private and government sectors, the 5% PhilHealth premium is shared equally between the employer and the employee. Each party pays 2.5% of the monthly basic salary, subject to the floor and ceiling. This means the employee’s monthly deduction is half of the total premium. The employer remits both shares directly to PhilHealth.

How to Calculate Your Monthly PhilHealth Contribution (With Examples)

Follow this simple formula to calculate your PhilHealth Contribution Table amount:

1. Identify your monthly basic salary.
2. Apply the floor and ceiling: If your salary is below ₱10,000, use ₱10,000. If above ₱100,000, use ₱100,000.
3. Multiply by 5% (0.05): This gives the total monthly premium.
4. Determine your share: If employed, divide by 2 (your share is 2.5%). If self-employed or voluntary, the full amount is your responsibility.

Self-Employed and Voluntary Member Contributions

Self-employed individuals, freelancers, and voluntary members pay the full 5% PhilHealth premium themselves. There is no employer to share the cost. They must declare a reasonable monthly income for contribution computation, subject to the same floor of ₱10,000 and ceiling of ₱100,000. These members can choose to pay quarterly, semi-annually, or annually. Consistent payment is crucial — missing contributions leads to inactive membership and loss of PhilHealth benefits eligibility.

OFW PhilHealth Contribution Table

Overseas Filipino Workers are classified as direct contributors and pay their PhilHealth premiums based on the 5% rate applied to their declared income, subject to the floor and ceiling. Unlike local employees, OFWs typically pay their contributions annually for convenience. The annual contribution is calculated by multiplying the monthly premium by 12 months. OFWs can pay through the PhilHealth Member Portal, at PhilHealth offices in the Philippines, or through accredited remittance partners abroad. Keeping contributions updated ensures that both the OFW and their qualified dependents remain covered.

Kasambahay (Household Worker) Contributions

Under the Kasambahay Law, household workers earning at least ₱5,000 per month must be registered with PhilHealth. The contribution follows the same 5% premium rate applied to the salary floor and ceiling. If the household worker earns below the floor, the contribution is based on the floor. The employer (household head) shoulders a larger portion of the premium as mandated by law. For exact sharing ratios for kasambahay, refer to the latest PhilHealth circulars or consult the nearest PhilHealth branch.

Senior Citizens and Lifetime Members

Under Republic Act No. 11223, all senior citizens who are not actively employed are automatically covered as lifetime PhilHealth members. They are not required to pay monthly premiums. Their coverage is funded through government subsidies and the National Health Insurance Fund. However, if a senior citizen is still gainfully employed, their employer continues to deduct and remit PhilHealth contributions as usual. Lifetime members who have paid at least 120 monthly contributions and have reached retirement age also enjoy premium-free coverage.

Sponsored Members and Indirect Contributors

Indirect contributors — including indigents identified through the Department of Social Welfare and Development’s Listahanan, Pantawid Pamilyang Pilipino Program (4Ps) beneficiaries, and persons with disabilities — have their PhilHealth premiums fully subsidized by the national government. These members do not pay out of pocket, but their coverage remains active as long as the government subsidy continues. They are entitled to the same PhilHealth benefits as direct contributors.

PhilHealth Contribution Payment Schedules and Deadlines

Different member types follow different payment schedules:

• Employed members: Contributions are deducted monthly from salary by the employer and remitted to PhilHealth on or before the prescribed deadlines per PhilHealth circular.
• Self-employed and voluntary members: Contributions can be paid monthly, quarterly, semi-annually, or annually. Quarterly payments are the most common and practical approach.
• OFWs: Annual payment is the standard, usually upon renewing overseas employment contracts or processing OECs.
• Kasambahay: Monthly or quarterly remittance by the household employer.

How to Pay PhilHealth Contributions Online

Paying your PhilHealth contributions is now easier than ever. You can settle premiums through multiple channels:

1. PhilHealth Member Portal: Log in, generate your Statement of Premium Account (SPA), and pay online via integrated gateways like GCash, Maya, or bank transfers. Visit the PhilHealth Member Portal to get started.
2. Over-the-counter: Pay at PhilHealth branches, accredited banks, Bayad Centers, and other collecting agents. Bring your SPA or PhilHealth ID.
3. Remittance partners for OFWs: Select remittance centers abroad accept PhilHealth payments.

Always keep your official receipt. For a detailed walkthrough, see our PhilHealth contribution payment guide.

How to Check Your PhilHealth Contribution History

Verifying that your contributions are properly posted is essential. Log in to the PhilHealth Member Portal and navigate to the “Contribution History” or “Payment History” section. You will see a table listing every premium payment posted to your account, including the date, amount, and paying entity. If you notice missing contributions, immediately raise the issue with your employer or, for self-paid members, file an inquiry through the portal with your payment receipt attached. You can also download your Member Data Record (MDR) to view a comprehensive summary.

What Happens If You Miss PhilHealth Contributions

Missing PhilHealth contributions has serious consequences for your healthcare access. Your membership status may become inactive, preventing you and your dependents from claiming PhilHealth benefits during medical emergencies. To be eligible for benefits, you generally need at least three months of contributions within the six months immediately before hospitalization. If you have missed payments, you can settle them retroactively, though penalties or interest may apply for prolonged non-payment. Self-employed and voluntary members should pay quarterly without fail to maintain continuous coverage.

PhilHealth Contribution Comparison Table by Member Type

Frequently Asked Questions About the PhilHealth Contribution Table