Last verified: October 5, 2026
Independent guide. We are not affiliated with PhilHealth. Rates are set by law and PhilHealth circulars — confirm current figures on philhealth.gov.ph.
Quick answer: In 2026 the PhilHealth premium is 5% of your monthly basic salary — the final rate under the Universal Health Care Act. Minimum ₱500/month (salaries at or below ₱10,000), maximum ₱5,000/month (salaries at or above ₱100,000). Employed members split it 50/50 with their employer; self-employed and voluntary members pay the full 5%.
How the rate got here
The UHC Act (RA 11223) raised the rate gradually every year until it hit its permanent ceiling:
| Year | Premium rate |
|---|---|
| 2019 | 2.75% |
| 2020 | 3.00% |
| 2021 | 3.50% |
| 2022 | 4.00% |
| 2023 | 4.50% |
| 2024–2026 | 5.00% (final) |
There is no rate hike planned for 2027 — 5% is the permanent rate. Any guide still quoting 4.5% or showing pre-2024 tables is outdated (one still-ranking tutorial is ~2 years stale with 2022-era screenshots).
The 2026 contribution table
Computed on monthly basic salary only — overtime, allowances, and bonuses are excluded.
| Monthly basic salary | Total monthly premium | Employee share | Employer share |
|---|---|---|---|
| ₱10,000 and below (floor) | ₱500 | ₱250 | ₱250 |
| ₱15,000 | ₱750 | ₱375 | ₱375 |
| ₱20,000 | ₱1,000 | ₱500 | ₱500 |
| ₱30,000 | ₱1,500 | ₱750 | ₱750 |
| ₱50,000 | ₱2,500 | ₱1,250 | ₱1,250 |
| ₱70,000 | ₱3,500 | ₱1,750 | ₱1,750 |
| ₱100,000 and above (ceiling) | ₱5,000 | ₱2,500 | ₱2,500 |
Formula: Premium = monthly basic salary × 0.05, bounded by the ₱500 floor and ₱5,000 ceiling. The employee share is half the total.
By member type
- Employed (private): 50/50 split with employer. Employer deducts your share from basic salary and remits both shares via the EPRS (Electronic Premium Remittance System).
- Employed (government): same 50/50 split; government as employer remits.
- Self-employed / voluntary / professionals: you pay the full 5% on your declared monthly income (no employer share). Declare honestly — benefits and compliance depend on it.
- OFWs: pay the full premium as self-paying members, usually in advance; keep remittance receipts.
- Kasambahay: if the household worker earns below ₱5,000/month, the employer pays the full ₱500 — the worker pays nothing (RA 10361).
- Senior citizens / indigents: ₱0 — covered as indirect contributors; the government pays (see PhilHealth Benefits).
Sample computations
- ₱9,500 basic salary: below the ₱10,000 floor → ₱500 total (₱250 employee + ₱250 employer).
- ₱45,000 basic salary: 45,000 × 0.05 = ₱2,250 total (₱1,125 + ₱1,125).
- ₱150,000 basic salary: above the ceiling → ₱5,000 total (₱2,500 + ₱2,500). The extra ₱50,000 of salary doesn’t raise the premium.
How to pay your PhilHealth contribution
Self-paying members (self-employed, voluntary, OFWs, professionals) pay through this flow:
1. Generate an SPA first. Log in to the Member Portal and generate a Statement of Premium Account (SPA) for the period you’re paying. Under the current “No SPA, No Payment” policy, the SPA is required for correct posting. (You can also get an SPA at PROs/LHIOs or via the SPA Generator at spagen.philhealth.gov.ph.)
2. Pay through one of these channels:
- GCash: Bills → Government → PhilHealth → enter your PRN/12-digit PIN, member type, and the SPA amount → Confirm.
- Maya: Bills → PhilHealth → enter your PRN and details → Confirm.
- Credit/debit card: Member Portal → generate PRN → Pay Online → card payment (receipt by email).
- Bank apps: Bills Payment → PhilHealth → enter PRN (posting usually takes 1–2 days).
- Over the counter: accredited collecting agents (Bayad Center and similar) — present your SPA or its QR code.
3. Verify posting: check the Contribution section of the Member Portal — the month should show as paid. Keep every receipt until it does.
Employed members don’t do this — the employer deducts and remits through the EPRS (Electronic Premium Remittance System), which also accepts GCash, Maya, and cards.
Buod sa Tagalog
Sa 2026, ang PhilHealth contribution ay 5% ng monthly basic salary — ₱500 pinakamababa, ₱5,000 pinakamataas kada buwan. Hati ang empleyado at employer (50/50); ang self-employed ay nagbabayad ng buong 5%. Hindi kasama ang overtime at bonus sa computation. Libre ang senior citizens.
Troubleshooting
My payslip deduction doesn’t match the table. Confirm your HR uses basic salary (not gross) and the 5% rate. Ask for a breakdown; compare against the table above.
Contribution history on the portal shows gaps. For employed members, this means the employer didn’t remit — follow up with HR immediately. For self-paying members, check that each payment had a matching SPA and posted correctly.
I overpaid (two employers deducted). The personal share caps at ₱2,500/month (the ₱100,000 ceiling). Combined deductions above that are overpayments — coordinate with PhilHealth for proper crediting.
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Related guides: PhilHealth: Complete 2026 Guide · PhilHealth Online Registration · PhilHealth MDR · PhilHealth Benefits 2026
Last verified: 2026-10-05. Official source: philhealth.gov.ph. 2026 figures (5% rate, ₱10,000 floor, ₱100,000 ceiling, 50/50 split) per PhilHealth’s 2026 guidance via the Philippine Information Agency; rate history per RA 11223 (UHC Act). Stale-competitor note: a ~2-year-old tutorial with 2022-era screenshots and pre-2024 rates still ranks — do not rely on it.
Always confirm details on the official government portal:
Visit the official PhilHealth portalFrequently asked questions
Why is my deduction different from my coworker's?
Because it's computed on basic salary, not total take-home. Different basic salaries, different premiums — even with the same job title.
My employer deducts but I doubt they remit — what can I do?
Check your contribution history on the Member Portal. If deductions aren't remitted, that's a serious compliance violation (fines of ₱5,000–₱10,000 per affected employee). Raise it with HR first, then PhilHealth.
Do I still pay during unpaid leave?
Employed members generally don't accrue premiums for months with no basic salary. Self-paying members should keep payments current to avoid gaps — generate an SPA on the Member Portal before paying via GCash, Maya, or banks.
What is the SPA and why do I need it?
The Statement of Premium Account is generated on the Member Portal before payment. Under the current "No SPA, No Payment" policy for self-paying members, you need it to remit correctly.
I'm a freelancer with irregular income — what do I declare?
Declare a reasonable monthly income you can sustain. Your premium is 5% of that figure (minimum ₱500). You can adjust your declaration if your income changes materially.
Are bonuses and 13th-month pay included in the computation?
No. Only monthly basic salary counts — overtime, allowances, bonuses, and 13th-month pay are excluded.
Magkano ang babayaran ko sa PhilHealth kada buwan?
5% ng iyong monthly basic salary — ₱500 pinakamababa (kung ₱10,000 pababa ang sahod) at ₱5,000 pinakamataas (kung ₱100,000 pataas) kada buwan. Kung employed ka, hati kayo ng employer (50/50); kung self-employed o voluntary, ikaw ang magbabayad ng buong 5%.
What is a PRN and where do I get it?
The PRN (Payment Reference Number) is generated on the Member Portal when you prepare a payment — it's tied to your SPA for that period. You enter it in GCash, Maya, or your bank app so the payment posts to the right account and period. If a PRN stops working, generate a fresh one on the portal.
