Good news for 2026: PhilHealth’s premium rate stays at 5%. No hike. Same rate that kicked in January 2024.
Whether you’re an employee splitting the bill with your boss, a freelancer covering the full thing yourself, or an OFW remitting from abroad, the table hasn’t moved.
This guide walks you through the actual rates, the salary floor and ceiling, how to compute your monthly premium, and where and when to pay. Every number traces back to PhilHealth’s own circulars.
Quick disclaimer before we get into it. This is general info, not personalized HR, tax, or legal advice. Rates and rules can shift mid-year. Always cross-check with PhilHealth before you remit, and loop in your accountant or labor lawyer if your situation gets complicated.
Contents
- Quick facts for 2026
- What is the PhilHealth contribution rate for 2026?
- PhilHealth contribution table for 2026
- How to compute your PhilHealth contribution
- Who needs to pay PhilHealth contributions?
- Payment channels
- Remittance deadlines for 2026
- What happens if you don’t pay?
- Historical PhilHealth rates: 2019 to 2026
Quick facts for 2026
- Premium rate: 5% of monthly basic salary or declared income, per the PhilHealth Circular 2019-0009 schedule
- Salary floor: ₱10,000 | Salary ceiling: ₱100,000
- Minimum monthly premium: ₱500 | Maximum: ₱5,000
- Employee/employer split: 2.5% each
- 2026 status: No further increase, per the Philippine Information Agency December 2025 announcement
What is the PhilHealth contribution rate for 2026?
It’s a flat 5%. Same rate for everyone who’s a direct contributor, private employees, government workers, freelancers, OFWs, and kasambahays.
Here’s how we got here. PhilHealth set the schedule through Circular No. 2019-0009, which implements the Universal Health Care Act (RA 11223). The law mapped out a five-year climb: 2.75% in 2019, ticking up to 5% by 2025.
It didn’t go smoothly.
- The 2021 hike to 3.5% was paused, then collected retroactively per PhilHealth’s December 2020 implementation notice.
- The 2023 hike to 4.5% got suspended outright by Malacañang. PhilHealth confirmed the freeze in its January 2023 official statement.
- The full 5% rate finally took effect January 1, 2024, locked in by the 2024–2025 contribution table.
For 2026, the PIA confirmed in December 2025 that there would be no further increase. The five-year UHC ramp-up is done.
What about that 3.5% bill in Congress? It was filed in the 19th Congress but didn’t make it through before adjournment. The measure has been carried over for refiling in the 20th Congress. Until something new gets signed into law, you’re paying 5%.
PhilHealth contribution table for 2026
Contributions are calculated using a salary floor of ₱10,000 and a salary ceiling of ₱100,000, per the PhilHealth official contribution table.
| Monthly Basic Salary | Premium Rate | Total Monthly Premium | Employee Share | Employer Share |
|---|---|---|---|---|
| ₱10,000 and below | 5% | ₱500 | ₱250 | ₱250 |
| ₱15,000 | 5% | ₱750 | ₱375 | ₱375 |
| ₱20,000 | 5% | ₱1,000 | ₱500 | ₱500 |
| ₱25,000 | 5% | ₱1,250 | ₱625 | ₱625 |
| ₱30,000 | 5% | ₱1,500 | ₱750 | ₱750 |
| ₱40,000 | 5% | ₱2,000 | ₱1,000 | ₱1,000 |
| ₱50,000 | 5% | ₱2,500 | ₱1,250 | ₱1,250 |
| ₱60,000 | 5% | ₱3,000 | ₱1,500 | ₱1,500 |
| ₱70,000 | 5% | ₱3,500 | ₱1,750 | ₱1,750 |
| ₱80,000 | 5% | ₱4,000 | ₱2,000 | ₱2,000 |
| ₱90,000 | 5% | ₱4,500 | ₱2,250 | ₱2,250 |
| ₱100,000 and above | 5% | ₱5,000 | ₱2,500 | ₱2,500 |
The minimum monthly contribution is ₱500, and the maximum is ₱5,000. Employees and employers split the cost equally at 2.5% each.
How to compute your PhilHealth contribution
If you’re an employee
Take your monthly basic salary, multiply by 5%, then divide by two. That’s your share. Your employer covers the rest.
Quick example: Earning ₱35,000/month? Total premium is ₱1,750 (₱35,000 × 0.05). You pay ₱875. Your employer pays ₱875. Easy.
If you’re self-employed or a freelancer
Multiply your declared monthly income by 5%. The whole thing is on you.
Quick example: Declaring ₱45,000/month? Your contribution is ₱2,250 (₱45,000 × 0.05). All yours.
- Earning under ₱10,000? You still pay the ₱500 minimum.
- Earning over ₱100,000? You’re capped at ₱5,000.
If you’re an OFW
OFW contributions are governed by PhilHealth Circular No. 2020-0014, which originally pegged OFW premiums at 3% climbing on the same UHC schedule.
Then it got messy. After public backlash, the Office of the President directed PhilHealth to stop enforcing mandatory OFW contributions, and stop requiring PhilHealth payment as a condition for the OEC.
In practice, OFWs who choose to remit pay at the prevailing 5% rate, with the same ₱10,000 floor and ₱100,000 ceiling.
- Sea-based: usually handled through your manning agency.
- Land-based: usually you, on your own.
OFW rules have changed multiple times across circulars and presidential directives. Confirm your current setup with the PhilHealth OFW desk or your manning agency before you remit anything.
Who needs to pay PhilHealth contributions?
PhilHealth membership is mandatory under RA 11223 for the following groups:
- All private-sector employees
- Government workers, including military and police personnel
- All self-employed professionals, sole proprietors, and freelancers, regardless of income
- Overseas Filipino workers (subject to Circular 2020-0014 and current Office of the President directives)
- Kasambahays (household workers): if the kasambahay earns less than ₱5,000 per month, the employer shoulders the full premium under RA 10361 (Kasambahay Law); verify the current IRR for any updates
- Lifetime members and Filipinos with dual citizenship
Voluntary members (those not currently employed) may also enroll and pay the full 5% based on declared income.
Indirect contributors (senior citizens, indigents, PWDs, and other subsidized groups) are covered by the national government and do not pay out of pocket.
Payment channels
For employers
Remit contributions through the PhilHealth Electronic Premium Remittance System (EPRS) or over the counter at accredited banks such as Land Bank of the Philippines, Development Bank of the Philippines, and other partner banks listed on the PhilHealth website.
For individual members
Self-employed, voluntary, and OFW members can pay through:
- Accredited banks (Land Bank, DBP, RCBC, and others on PhilHealth’s accredited list)
- Bayad Center and SM Bills Payment
- GCash, Maya, and other accredited e-wallets
- PhilHealth Regional Offices and Local Health Insurance Offices
- The PhilHealth Member Portal online
Self-employed and voluntary members may pay monthly, quarterly, semi-annually, or annually.
Remittance deadlines for 2026
Employer remittance deadlines follow PhilHealth’s published payment schedule. The exact due date depends on the last digit of your PhilHealth Employer Number (PEN), and falls within the month following the applicable period.
Verify your specific due date through the PhilHealth Electronic Premium Remittance System (EPRS) or your PhilHealth Employer page before remitting.
For self-employed, voluntary, and OFW members, payment frequency is flexible (monthly, quarterly, semi-annually, or annually), with the deadline depending on the elected schedule.
Confirm your specific due date with your nearest PhilHealth office or via the Member Portal.
What happens if you don’t pay?
Missing your PhilHealth contributions does not cancel your membership. You remain a member. But here’s what you risk under RA 11223 and its Implementing Rules and Regulations:
- Employers who fail to remit on time may be subject to interest, penalties, and administrative sanctions as provided under the UHC Law and its IRR.
- Direct contributors with gaps may be required to settle missed contributions, with applicable interest, before claims processing runs smoothly.
- Claims processing may be delayed if your contribution records show gaps.
The exact penalty schedule, interest rate, and any current relief programs for delinquent contributors should be verified directly with PhilHealth before assuming a specific number.
Penalty structures have been adjusted multiple times in recent circulars, and the most accurate figure for your specific situation is the one PhilHealth itself quotes when you inquire.
For employer-side compliance, work with your HR practitioner or labor lawyer to confirm the current penalty matrix.
Historical PhilHealth rates: 2019 to 2026
| Year | Scheduled Rate | Actual Rate Applied | Income Floor | Income Ceiling |
|---|---|---|---|---|
| 2019 | 2.75% | 2.75% | ₱10,000 | ₱50,000 |
| 2020 | 3.00% | 3.00% | ₱10,000 | ₱60,000 |
| 2021 | 3.50% | 3.50% (initially deferred, then collected retroactively) | ₱10,000 | ₱70,000 |
| 2022 | 4.00% | 4.00% (system implementation in June 2022, applied retroactively to January 2022) | ₱10,000 | ₱80,000 |
| 2023 | 4.50% | 4.00% (hike suspended) | ₱10,000 | ₱80,000 |
| 2024 | 5.00% | 5.00% | ₱10,000 | ₱100,000 |
| 2025 | 5.00% | 5.00% | ₱10,000 | ₱100,000 |
| 2026 | 5.00% | 5.00% | ₱10,000 | ₱100,000 |
The 2021 rate hike was initially deferred when the Malacanang directive paused the increase in early 2021, then reimplemented mid-year per PhilHealth’s December 2020 implementation notice, with retroactive collection of the 0.5% differential.
The 2022 rate of 4% was implemented in EPRS in June 2022 but applied retroactively to January 2022, as documented by PwC Philippines’ 2022 advisory on the retroactive adjustment.
The 2023 hike to 4.5% was suspended outright by Malacañang per PhilHealth’s Official Statement of January 2023, keeping the rate at 4%. The 5% rate was fully enforced starting January 2024 and continues through 2026.
Final thoughts
The PhilHealth contribution table for 2026 keeps the 5% rate with no changes from 2024 to 2025.
If you’re employed, your share is 2.5% of your monthly basic salary, and your employer covers the other 2.5%. If you’re self-employed or an OFW, you may pay the full 5% subject to the current OFW directive.
The minimum monthly contribution is ₱500 and the maximum is ₱5,000. Mark your deadlines, pay on time, and keep your records updated so your coverage stays active when you need it most.¨