PhilHealth Contribution 2026: Rate, Table, How to Pay
Quick answer
In 2026 the PhilHealth contribution is 5% of your monthly basic income, from PHP 500 up to PHP 5,000 a month. Employees and employers each pay half. Self-employed and voluntary members pay the full 5% themselves online, at PhilHealth offices or through accredited payment partners.
Requirements
- Your PhilHealth PIN.
- For self-employed and voluntary members: your declared monthly income.
- A payment channel: PhilHealth Member Portal, e-wallet, bank or PhilHealth office.
Fees
| Item | Amount | Notes |
|---|---|---|
| Premium rate | 5% of monthly basic income | Shared 50/50 for employees |
| Income floor | PHP 10,000 | Minimum premium PHP 500 a month |
| Income ceiling | PHP 100,000 | Maximum premium PHP 5,000 a month |
| Example: PHP 20,000 salary | PHP 1,000 total | PHP 500 employee + PHP 500 employer |
Steps
Online
1. Log in to the PhilHealth Member Portal
2. Open the payment section and choose the months to pay
3. Generate a Statement of Premium Account or payment reference
4. Pay using an accepted e-wallet or online bank
5. Keep the confirmation and check your contribution history after a few days
Walk-in
1. Go to a PhilHealth LHIO or an accredited collecting agent (bank or payment center)
2. Give your PIN and the months you want to pay
3. Pay and keep the official receipt
Processing time
- Payments usually post within a few working days.
- Coverage depends on paid months before you use benefits.
Where to apply
- Apply on the official website: https://www.philhealth.gov.ph/
- Find PhilHealth offices
Common problems and fixes
Payment not showing
Wait a few working days, then bring your receipt to an LHIO.
Employer deducted but did not remit
Report it to PhilHealth with your payslips.
You stopped paying for months
Ask the LHIO about rules for missed months.
Hospital says no coverage
Check your contribution history in the portal and ask the hospital's PhilHealth desk.
Frequently asked questions
How much is the PhilHealth contribution in 2026?
It is 5% of your monthly basic income, with a minimum of PHP 500 and a maximum of PHP 5,000 a month.
How is the PhilHealth contribution shared?
For employees, the employer pays half and the employee pays half.
How much do self-employed members pay?
Self-employed members pay the full 5% of their declared income, at least PHP 500 a month.
Can I pay PhilHealth through GCash?
Yes, GCash is listed among accepted channels. Use your PIN when paying.
Do senior citizens pay PhilHealth contributions?
No. Senior citizens are covered by the government under the law.
Are OFWs required to pay PhilHealth?
OFWs are direct contributors. Their payment rules were debated in recent years, so check the current PhilHealth advisory.
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