PhilHealth Contribution 2026: Rate, Table, How to Pay
Quick answer
PhilHealth takes 5% of your monthly basic income in 2026, from PHP 500 up to PHP 5,000 a month. The rate did not rise from 2025. Employees pay half and their employer pays the other half. Self-employed, voluntary and OFW members pay the full 5% themselves.
What are the requirements?
- Your 12-digit PhilHealth PIN.
- For self-employed and voluntary members: your declared monthly income.
- A payment channel: the PhilHealth Member Portal, an accredited collecting partner or a PhilHealth office.
How much does it cost?
| Item | Amount | Notes |
|---|---|---|
| Premium rate | 5% of monthly basic income | Employees and employers pay 2.5% each |
| 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 a month | PHP 500 employee + PHP 500 employer |
Work out your own amount with our PhilHealth contribution calculator.
How do you apply, step by step?
Online
1. Log in to the PhilHealth Member Portal
Need an account first? See how to register on the portal.
2. Open the payment section and pick the months you are paying for
3. Pay with an accepted online channel
4. Keep the confirmation
Check your contribution history after a few days.
Walk-in
1. Go to a PhilHealth Local Health Insurance Office (LHIO) or an accredited collecting partner
2. Give your PIN and the months you are paying for
3. Pay and keep the official receipt
Where do you apply?
Pay online through the Member Portal, at an accredited partner, or at a PhilHealth office near you.
- Apply on the official website: https://www.philhealth.gov.ph/
- Find PhilHealth offices
What are the common problems and how do you fix them?
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 as proof.
Months left unpaid
Ask the LHIO how to settle them before you need a hospital benefit.
Hospital says you have no coverage
Check your contribution history in the portal, then talk to the hospital's PhilHealth desk.
Cannot log in
Follow our PhilHealth password reset steps.
Frequently asked questions
How much is the PhilHealth contribution in 2026?
It is 5% of your monthly basic income. The lowest premium is PHP 500 and the highest is PHP 5,000 a month.
Did PhilHealth raise the rate for 2026?
No. The rate stays at 5%, the same as in 2024 and 2025.
How is the PhilHealth contribution shared?
For employees, the employer pays half (2.5%) and the employee pays half (2.5%).
How much do self-employed members pay?
They pay the full 5% of their declared monthly income, with a minimum of PHP 500 a month.
Do senior citizens pay PhilHealth contributions?
Senior citizens with no other PhilHealth coverage do not pay. Under Republic Act 10645 they are enrolled for free, and their premiums are paid from sin tax funds. Seniors who are still employed or have a regular income keep paying under their own category, for example as employees or self-employed members.
Do solo parents and PWDs pay PhilHealth contributions?
Not if they meet the rules. Under PhilHealth Circular 2026-0015, the National Government pays the premium of solo parents with a valid Solo Parent ID. Circular 2026-0017 does the same for PWDs in the PWD registry. Employed members must first file a PMRF, a copy of the ID and an employer certification through HR or at a PhilHealth office. Only then does their share stop, and the employer still pays its half. PWDs with no employer who are in the registry are tagged by PhilHealth. See our updates on solo parents and PWDs.
Do OFWs pay PhilHealth?
Yes. OFWs are direct contributors and pay the full premium on their own.
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