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PhilHealth Eligibility Checker: Find Your Member Category (2026)

Answer four quick questions to see your likely PhilHealth membership category — employed, self-employed, OFW, senior citizen, indigent/sponsored, or dependent — plus an estimated contribution.

Last updated Reviewed by our editorial team No login or personal data required

About the PhilHealth eligibility checker

Under the Universal Health Care Act (Republic Act No. 11223), every Filipino is automatically entitled to PhilHealth coverage — but which membership category you fall under still determines how much you pay, who pays it, and what proof you need when using your coverage. Employed workers share a contribution with their employer, self-employed and freelance workers pay their own, overseas Filipino workers follow separate remittance timing, senior citizens receive fully subsidized coverage, and dependents are covered under a principal member's record rather than their own.

Getting your category wrong is one of the most common sources of confusion members run into — at hospital admission, when an employer asks for proof of enrollment, or when a self-employed member wonders whether they're paying too little or too much. This free PhilHealth eligibility checker walks through your age, employment situation, approximate income, and dependent plans, then matches that against the general 2026 PhilHealth rules to show your probable category, an estimated contribution where relevant, and the concrete next steps for that category.

This tool is independent and educational. It does not connect to PhilHealth, does not verify your actual registered status, and is not a substitute for confirming your category directly with PhilHealth or your employer.

Eligibility checker

Check your PhilHealth eligibility & category

Everything below runs in your browser only — nothing is submitted or stored anywhere.

Fill in your age range, employment status, monthly income, and dependent plans, then select Check Eligibility.

Used only to estimate a contribution range if your category requires paying a premium yourself.

What this means

Requirements for this category

    Recommended next steps

      How it works

      How the eligibility checker works

      1. Provide your age range, employment situation, approximate monthly income, and whether you plan to register dependents.
      2. Your answers are compared against the general 2026 PhilHealth membership rules, entirely inside your browser.
      3. See your probable membership category, an estimated contribution if applicable, and the requirements or next steps for that category.
      4. Use your result as a starting point, then confirm your actual registered category through the Member Portal or a PhilHealth branch.
      Examples & reference

      PhilHealth membership categories at a glance

      A quick reference for who belongs to each category, what they pay, and where to register.

      PhilHealth membership categories, 2026
      CategoryWho it's forContributionWhere to register
      Employed / Direct Contributor Workers with a private or government employer 5% of monthly salary, split 2.5% / 2.5% with employer Enrolled by employer via ER2; view record in the Member Portal
      Self-Earning / Voluntary Member Freelancers, self-employed professionals, business owners 5% of declared monthly income, paid in full by the member Register and pay directly through the Member Portal or accredited channels
      OFW (Migrant Worker) Member Land-based and sea-based overseas Filipino workers Often paid annually or per contract before deployment POEA-accredited agencies, PhilHealth OFW desks, or online
      Senior Citizen (RA 10645) Filipinos aged 60 and above None — fully subsidized by the national government Confirm enrollment at any PhilHealth branch or the Portal
      Indigent / Sponsored Member Individuals qualified under DSWD/LGU-sponsored programs None — premium paid by the national or local government Apply through your City/Municipal Social Welfare Office
      Dependent Spouse, children, or qualified parents of a principal member None — coverage is included under the principal's membership Must be formally registered on the principal member's PMRF/MDR
      Avoid these

      Common eligibility mistakes

      Assuming senior citizens must still pay a premium — under RA 10645, coverage for Filipinos 60 and above is free and government-subsidized.
      Believing a spouse or child is "automatically" covered just by being related — dependents must be formally registered on the principal member's record.
      Self-employed members under-declaring income to lower contributions, which can also reduce certain benefit computations later.
      OFWs assuming deployment alone creates coverage — registration and payment still need to be completed before or during the contract period.
      Thinking unemployment automatically qualifies someone for free coverage — indigent/sponsored status requires an actual application through DSWD or the LGU.
      Not updating membership category after a life change — resigning, starting a business, or turning 60 all shift which category actually applies.
      Related guides
      PhilHealth membership categories explained PhilHealth online registration walkthrough Member Portal login guide PhilHealth contribution table 2026 Self-employed / voluntary members OFW membership and contributions Senior citizen free coverage (RA 10645) Add dependents to your membership Employed members & employer remittance MDR guide & checklist tool PhilHealth requirements & valid IDs Recover a lost PhilHealth number
      Questions & answers

      Eligibility checker FAQs

      How do I know which PhilHealth membership category I belong to?
      Your category depends mainly on your employment status and age: employed workers and their employers share contributions, self-employed and OFW members pay their own, seniors 60+ get free coverage, and dependents are covered under a principal member. This checker walks through those factors for you.
      Is this eligibility checker official?
      No. This is an independent educational tool. It estimates your likely category based on general PhilHealth rules; your actual registered category is whatever is on file with PhilHealth.
      Do senior citizens need to register for PhilHealth?
      Coverage under RA 10645 is automatic for qualified Filipino seniors, but it is still worth confirming your record reflects this, especially if you were previously registered under a different category.
      What if I am both employed and self-employed?
      PhilHealth generally treats your employed membership as primary since your employer already remits contributions; additional self-employed income does not usually require a separate parallel registration, but rules can vary — confirm with a PhilHealth branch for mixed-income situations.
      Can I be a dependent and pay my own contributions at the same time?
      No — you are either a principal member (paying your own or shared contributions) or a dependent under someone else's membership, not both at once.
      How much do self-employed members pay?
      For 2026, self-employed and voluntary members generally pay 5% of their declared monthly income, with a floor of ₱10,000 and a ceiling of ₱100,000 — meaning contributions range roughly from ₱500 to ₱5,000 a month.
      What documents prove my membership category?
      Your Member Data Record (MDR) is the clearest proof — it shows your membership type, status, and any dependents on file.
      Do OFWs pay the same rate as other members?
      OFW contribution rules have changed over the years and can differ from local voluntary members; always confirm current requirements with the PhilHealth OFW desk or your deploying agency before paying.
      What happens if I stop paying as a self-employed member?
      Missed contributions can eventually mark your membership inactive, which may affect your ability to claim certain benefits until payments are brought up to date.
      I am unemployed with no income — am I still eligible for coverage?
      You may qualify as a dependent if a spouse or parent is a registered member, or as an indigent/sponsored member through a DSWD or LGU program — this checker will point you toward the right path based on your answers.

      Author and editorial review

      PhilHealth Portal Editorial Team

      Our editorial team researches every guide and tool against official PhilHealth circulars and Philippine health-insurance law before publishing, and reviews them on a regular schedule.

      Reviewed for accuracy Last updated

      Get notified when PhilHealth rules change

      Contribution rates, membership rules, and requirements get updated from time to time. We'll let you know when they do.

      Independent resource disclaimer

      This eligibility checker is an independent, educational tool. It is not affiliated with, endorsed by, or connected to the Philippine Health Insurance Corporation (PhilHealth) or any Philippine government agency, and it does not verify or alter any official record.

      For an official determination, always confirm through philhealth.gov.ph or your nearest PhilHealth branch.