Quick Summary
- Who this guide is for: Filipino citizens, OFWs, and foreigners seeking PhilHealth membership or updates.
- Important Notes: Always prepare valid IDs and correct forms before proceeding.
- Estimated Time: 11 minutes for reading and preparation.
PhilHealth Voluntary Member 2026: How to Register, Pay & Stay Covered
Left your job? Freelancing? No employer? You can stay covered by becoming a PhilHealth voluntary member. This guide covers registration, contribution rates, payment schedule, and how to switch from employed to voluntary status.
✓ Editorially reviewed
🛡️ Based on RA 11223
✓ Reviewed by Membership & Policy Desk
📅 Updated January 2026
🛡️ Sources: philhealth.gov.ph, RA 11223
Who is a PhilHealth voluntary member?
A voluntary member is someone who is not formally employed but chooses to maintain active PhilHealth coverage by paying their own contributions. This includes:
Common voluntary member situations
• Resigned employees who want to continue coverage
• Stay-at-home parents without employer coverage
• Students aged 18+ without employer coverage
• Unemployed individuals who still want PhilHealth benefits
• Those between jobs who don’t want a coverage gap
How to register as a voluntary member
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Prepare your documents
You need:
• One (1) valid government-issued ID (PhilID, passport, driver’s license, UMID)
• PSA Birth Certificate (for first-time registration)
• Accomplished PMRF (PhilHealth Member Registration Form) -
Choose your registration method
Online: Register at philhealth.gov.ph → Member Portal → Register.
In-person: Visit any PhilHealth branch or LHIO.
Via employer (if newly resigned): Your previous employer may assist with the transition. -
Fill out the PMRF correctly
In Section IV (Member Type), tick “Voluntary Member”. Declare your monthly income. Use the PMRF Form Assistant for step-by-step guidance.
-
Declare your monthly income
Your contribution is based on your declared income. The floor is ₱10,000 and the ceiling is ₱100,000. You can declare any amount within this range. Most voluntary members declare the floor (₱10,000) to pay the minimum contribution.
-
Receive your PhilHealth number
After successful registration, you’ll receive your PhilHealth Identification Number (PIN). Keep this safe — you’ll need it for all future payments and transactions.
Voluntary member contribution rates 2026
Voluntary members pay 5% of their declared monthly income. Here’s the complete schedule:
| Declared Monthly Income | Monthly Contribution (5%) | Annual Contribution |
|---|---|---|
| ₱10,000 (Floor) | ₱500.00 | ₱6,000.00 |
| ₱15,000 | ₱750.00 | ₱9,000.00 |
| ₱20,000 | ₱1,000.00 | ₱12,000.00 |
| ₱25,000 | ₱1,250.00 | ₱15,000.00 |
| ₱30,000 | ₱1,500.00 | ₱18,000.00 |
| ₱40,000 | ₱2,000.00 | ₱24,000.00 |
| ₱50,000 | ₱2,500.00 | ₱30,000.00 |
| ₱100,000 (Ceiling) | ₱5,000.00 | ₱60,000.00 |
Payment schedule and due dates
When to pay
• Monthly: Pay by the 25th of each month for that month’s coverage.
• Quarterly: You may pay up to 3 months in advance.
• Annually: Some members pay the full year in one transaction.
Note: Paying late may result in coverage gaps. Keep your receipts for at least 3 years.
Where to pay your contribution
Accepted payment channels
• GCash — via Pay Bills → Government → PhilHealth
• Maya — via Pay Bills → Government → PhilHealth
• Banks — BDO, BPI, Landbank, Metrobank, PNB, etc.
• Bayad Centers — SM, Robinsons, LBC, etc.
• PhilHealth Member Portal — online payment via linked accounts
• PhilHealth Branch — over-the-counter payment
How to switch from employed to voluntary
-
Get your PhilHealth number from your employer
Ask your HR department for your PhilHealth number (PIN) and a copy of your MDR if available. This confirms your member record is active.
-
File a PMRF amendment
Fill out the PMRF with the “Updating/Amendment” box ticked. In Section IV, change your member type from “Employed” to “Voluntary Member”.
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Submit the PMRF
Submit online through the Member Portal or in-person at any PhilHealth branch. Bring a valid ID.
-
Start paying as voluntary
Once your record is updated, begin paying your monthly contribution through your preferred channel. Your first payment should be for the month after your employer’s last remittance.
🛡️ Pro tips for voluntary members
- Set a monthly reminder to pay before the 25th — missed payments can lapse your coverage.
- Download your MDR from the Member Portal every 6 months to verify contributions.
- Keep digital copies of all payment receipts (screenshots or email confirmations).
- If you find a job, file a PMRF amendment immediately to switch to Employed.
- When you turn 60, your coverage becomes free under RA 10645 — no need to continue paying.
Related guides
Voluntary member FAQs
How much do PhilHealth voluntary members pay?
What is the difference between voluntary and self-employed members?
Can I switch from employed to voluntary membership?
What happens if I miss a voluntary contribution payment?
Can I pay multiple months in advance?
Do voluntary members get the same benefits as employed members?
How do I register as a voluntary member?
Can I use GCash or Maya to pay my voluntary contribution?
What income should I declare as a voluntary member?
Do voluntary members stop paying at age 60?
🛡️ Independent resource disclaimer
PhilHealth-Portal.ph is an independent, educational website. This guide provides information based on publicly available PhilHealth documentation. Contribution rates and policies may change. Always verify current rates at philhealth.gov.ph or call (02) 8441-7442.
Need More Help?
Explore our comprehensive PhilHealth Online Registration Guide for step-by-step instructions.
View Registration Guide →
