PhilHealth Contribution 2026: Table, Rates & How to Pay

Here’s what actually happened: PhilHealth’s contribution rate has been climbing on a schedule set years ago under the Universal Health Care Act, and most people only notice when a specific number changes on their payslip or their GCash confirmation screen. Nobody sends you a memo explaining why. So I dug through the actual PhilHealth circulars, cross-checked the numbers against independent reporting, and I’m laying it all out here — this year’s table, the years before it, and what to actually do with this information.

What Is a PhilHealth Contribution?

If you’re employed, this monthly contribution in PhilHealth gets deducted automatically and your employer matches it. If you’re self-employed, a freelancer, or a voluntary member, the full amount comes out of your own pocket — which is exactly why understanding the table below actually matters to your budget.

PhilHealth Contribution Table 2026

For 2026, the PhilHealth contribution rate holds at 5% of monthly basic salary, with a floor of ₱10,000 and a ceiling of ₱100,000. That gives you a minimum PhilHealth contribution of ₱500 a month and a maximum of ₱5,000 — nobody pays more than that, regardless of how high their salary climbs past the ceiling.

Verified against the Philippine Information Agency’s May 2026 advisory and PhilHealth Circular 2019-0009’s staggered UHC schedule.

Not sure which PhilHealth contribution bracket you actually fall into, or want the exact centavo amount instead of estimating from the table? Our PhilHealth Contribution Calculator does the math for you in a few taps.

Self-Employed & Voluntary Members

PhilHealth contribution for self-employed members works differently, and this is the part that trips up freelancers the most: there’s no employer to split the bill with, so you’re paying the full 5% yourself, based on your declared monthly income.

A freelancer declaring ₱25,000 a month pays the full ₱1,250 — not the ₱625 an employee in the same bracket would pay out of pocket. It genuinely surprises people the first time they do the math.

Not sure which category you actually belong to before declaring an income figure? Check our PhilHealth membership category guide first — self-employed, voluntary, and OFW each have slightly different documentation expectations, and getting this right from the start avoids a correction later on your PMRF.

Rate History: 2023, 2024 & 2025

If you’re comparing this year’s number against an old payslip or an old screenshot, here’s the actual progression — and it’s genuinely a little messy, because two scheduled increases got frozen along the way.

The PhilHealth contribution table 2023 stayed at 4% instead of the originally scheduled 4.5% — the increase was deferred that year due to economic relief measures, similar to what happened in 2021. Then PhilHealth contribution 2024 jumped straight to the full 5% under the original UHC Law schedule, and it’s held steady through PhilHealth contribution table 2025 and into this year.

If you’re trying to reconcile an old payment against your current MDR, knowing which year’s rate applied to that specific payment period actually matters — PhilHealth calculates eligibility based on the rate in effect when the contribution was posted, not today’s rate.

How to Pay Your Monthly Contribution

Employed members don’t need to do anything — it’s deducted and remitted automatically. For everyone else, here’s the actual process:

1. Log in to the Member Portal. You’ll need your PIN and password — our PhilHealth login guide walks through this if you’re not sure where to start.
2. Generate a Statement of Premium Account (SPA). Under Payment Management, select how many months you’re paying for.
3. Choose your payment method. Most members go through GCash or Maya via PhilHealth’s accredited collection partner; bank transfer and over-the-counter options exist too.
4. Keep your confirmation. Screenshot it. Payments can take a few days to post, and having proof saves you a headache if it’s delayed.

If you’re registering for the first time rather than paying an existing account, that’s a different flow — see our online registration guide for the full walkthrough, and our PhilHealth ID guide for what comes right after.

Certificate of Contribution & Checking Your Record

A certificate of contribution from PhilHealth is an official printed record of your payment history — banks, embassies, and some employers ask for this specifically when a screenshot of your portal isn’t considered sufficient proof (a visa application was the reason I needed mine).

You can request one directly from a PhilHealth branch. Since lines can get long at busier LHIOs, booking a PhilHealth online appointment beforehand is worth the two minutes it takes.

For everyday checking — not an official certificate, just confirming your payments actually posted — log in to the Member Portal and click “Premium Contributions.” If you’ve lost access to your account entirely, our lost PhilHealth number guide covers getting back in.

What Happens If You Miss a Payment

Your membership itself doesn’t get cancelled if you miss a month — but your access to certain benefits can be affected, since some coverage requires a minimum number of recent contributions (maternity benefits, for example, need at least three monthly contributions within the six months before delivery — see our maternity benefits guide for the full requirement).

Here’s something worth correcting, because a lot of guides get this wrong: voluntary members generally can catch up on missed months by generating an SPA for the specific unpaid period and settling it retroactively — it isn’t automatically forfeited. The catch is that missed voluntary payments accrue interest, currently around 1.5% per month under PhilHealth’s implementing rules, so the longer you wait, the more it costs to catch up. Employers who miss remittances face a steeper monthly penalty and possible legal exposure, which is exactly why staying current matters more on the employer side.

Why the Rate Actually Matters

It’s easy to see a rate increase as just a smaller payslip and stop there. But the reason PhilHealth keeps raising this number is tied directly to what it can afford to pay out — and the coverage increases over the past couple of years have been genuinely significant, not cosmetic.

• Heart bypass surgery (CABG) coverage rose to a ₱660,000–₱960,000 range, up from ₱550,000.
• Peritoneal dialysis annual coverage jumped to as much as ₱510,140, up from ₱270,000.
• Common procedures like pneumonia treatment and C-section deliveries saw roughly 50% higher coverage amounts.

That’s the actual trade-off behind the number on your payslip. If you want to see what your family is specifically covered for, our PhilHealth Benefits overview and our hospitalization & case rates breakdown go deeper, and our Z Benefits guide covers what’s available for cancer, kidney disease, and other catastrophic illnesses specifically.

Not sure you’re even registered correctly to receive any of this? Our PhilHealth requirements guide is a good next stop, and the PhilHealth Guide homepage ties every piece of this system together if you want the bigger picture.

Frequently Asked Questions