The PhilHealth contribution rate has been at 5% since 2024 and stays there in 2025 and 2026. This is the final rate under the Universal Health Care Law – no more increases are scheduled after this.
What you actually pay depends on your membership type and your monthly income.
How much you pay depends on whether you have an employer.
If you are employed, the 5% is split equally. You pay 2.5% and your employer pays the other 2.5%. On a P20,000 monthly salary, P500 is deducted from your pay and your employer adds another P500 – total contribution is P1,000.
If you are self-employed, a freelancer, or a voluntary member, you shoulder the full 5% yourself. On the same P20,000 declared income, that is P1,000 a month entirely out of pocket.
If you are an OFW, land-based OFWs pay a flat P6,000 per year, which works out to P500 per month. Sea-based OFWs follow the salary-based rate, shared with their manning agency.
The salary floor and ceiling to know:
- Minimum contribution: P500 per month (for those earning P10,000 or below)
- Maximum contribution: P5,000 per month (for those earning P100,000 or above)
For quick math: multiply your monthly basic salary by 0.05. That is your total PhilHealth premium. If employed, your share is half of that.
One thing to keep track of: You need at least 9 months of contributions within the 12 months before your first day of availment to use most PhilHealth benefits. Delinquent for more than 3 months and you may not qualify when you actually need it.
Senior citizens aged 60 and above are automatically covered for life – no contributions required under Republic Act 10645.
For more government guides, visit the Tutorial Hub.
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