PhilHealth Contribution Calculator (2026)
The 2026 PhilHealth contribution is 5% of your monthly basic salary or declared income, with a floor of ₱500 and a ceiling of ₱5,000. Employed members split that in half with their employer. Everyone else pays the whole thing. Punch your figure into the calculator below and it does the arithmetic for you.
On this page
The short answer
For 2026, PhilHealth charges 5% of your monthly basic income. If you earn ₱10,000 or less, you pay the fixed floor of ₱500. Between ₱10,000.01 and ₱99,999.99, it’s a straight 5% of what you earn. At ₱100,000 and up, you hit the ceiling of ₱5,000 and it stops climbing. Employed members split the total 50/50 with their employer; self-paying members and OFWs shoulder the full amount. This rate was confirmed in PhilHealth’s May 6, 2026 advisory, reported by the Philippine Information Agency on May 14, 2026.
The calculator
How the number is worked out
There are three bands, and which one you land in depends only on your monthly basic income. Not your gross pay, your basic. Here’s the whole thing:
| Monthly income | Monthly premium | How it’s computed |
|---|---|---|
| ₱10,000 or below | ₱500 (fixed floor) | Stays at ₱500, never drops lower |
| ₱10,000.01 to ₱99,999.99 | 5% of income | Income × 0.05 |
| ₱100,000 or above | ₱5,000 (fixed ceiling) | Caps at ₱5,000, never climbs higher |
So someone earning ₱28,000 pays ₱1,400 a month total. Employed, that’s ₱700 out of your pay and ₱700 from your employer. Self-paying, the full ₱1,400 is yours. This schedule is the last step of the staggered increases written into Republic Act No. 11223, the Universal Health Care Act, and PhilHealth has said the rate holds at 5% with no hike for 2026. If you want the policy backstory rather than just the math, our PhilHealth contribution guide goes into how the phase-in worked and where the money goes.
Who pays what: employed, self-paying, OFW
The 5% is the same for everyone. What changes is who covers it and how it leaves your pocket.
| Member type | Who pays | Based on |
|---|---|---|
| Employed | Split 50/50 with your employer, auto-deducted from payroll | Monthly basic salary |
| Self-paying / Voluntary | You pay the full 5% yourself | Your declared monthly income |
| OFW | Full amount, same as voluntary | Declared income; many pay per year in one lump sum |
The declared-income part is where self-paying members trip up. There’s no HR setting it for you. You choose that figure when you register or update your record, and it’s what drives everything the calculator shows. Not sure which bucket you fall into? The membership category guide lays out the full list, and it matters for more than the math, since your category also shapes your registration requirements.
Why your calculation might be off
Four things throw the number off more than anything else, roughly in order of how often I see them:
- You used gross pay, not basic salary. Overtime, allowances, holiday pay, and the 13th month aren’t part of the base. Feed in the basic figure from your contract, not your take-home.
- You forgot the floor or the ceiling. Below ₱10,000, it’s a flat ₱500 no matter what. Above ₱100,000, it’s a flat ₱5,000. The percentage only does anything in between.
- You trusted an old bookmark. The rate climbed almost every year from 2019 to 2024 under the UHC phase-in. A calculator last touched in 2021 will hand you a confident, wrong answer.
- You guessed your declared income. As a voluntary member, that number is whatever you last put on file. If you can’t remember it, don’t guess. Check or update it through your PMRF before you pay.
Before you pay anything online
Legitimate payment happens through PhilHealth’s own channels, accredited banks and payment centers, or the eGovPH app. If a page or a message asks for your password, an OTP, or a “processing fee” to an individual’s account, close it. None of that is part of paying your premium.
It doesn’t match my payslip
A small gap is usually nothing dramatic. A mid-month raise, a peso or two of rounding, or HR still running last year’s bracket during the January changeover all produce tiny differences. A big gap is worth a question. If you’re employed, raise it with HR. If you’re self-paying, pull up your declared income and recent payments in the Member Portal and see what’s actually posted against your name.
Quick answers
How much is the PhilHealth contribution in 2026?
Five percent of your monthly basic income, with a minimum of ₱500 (income of ₱10,000 or below) and a maximum of ₱5,000 (income of ₱100,000 or above). Employed members split it 50/50 with their employer.
Did the rate go up for 2026?
No. It stayed at 5%, the same as 2024 and 2025. PhilHealth’s May 6, 2026 advisory, reported by the Philippine Information Agency, confirmed there’s no hike. This is the final scheduled step under the Universal Health Care Act.
Do I use gross salary or basic salary?
Basic salary. Overtime, bonuses, the 13th month, and most allowances aren’t counted in the base used to compute your premium.
What’s the minimum and maximum I can pay?
The minimum is ₱500 a month, for anyone earning ₱10,000 or less. The maximum is ₱5,000 a month, for anyone earning ₱100,000 or more. Between those, it’s a flat 5%.
Is it the same for self-employed and voluntary members?
Yes. The computation is identical. Both pay the full 5% themselves, based on declared monthly income, since there’s no employer to share the cost.
How much does an employed member actually see deducted?
Half the total. On a ₱28,000 basic salary the total is ₱1,400, so ₱700 comes out of your pay and your employer adds the other ₱700 on top.
What if my declared income changes?
Your premium moves with it. Voluntary and self-employed members should update their declared income through a PMRF update whenever their situation shifts, so what they pay matches what they earn.
Is this calculator official?
No. This is an independent guide, not run by PhilHealth. The tool uses the confirmed 2026 rate, but for your exact posted record always cross-check your payslip or the official Member Portal.
Official sources
Got your figure? Two things to do next.
Confirm it against what’s actually posted in the Member Portal / MDR, and if the policy side is what you’re after, the contribution guide covers what this calculator leaves out.