PhilHealth Contributions in 2026

PhilHealth is the national health insurance that every employed person pays into. The premium is a percentage of your salary, held between a floor and a ceiling, and for employees it is split with your employer. Here is how the line on your payslip is arrived at.

The rate

For 2026 the premium rate is 5 percent of your monthly basic salary. This is the rate the Universal Health Care Act phased in, reaching 5 percent and holding there. No new rate was issued for 2026, so the schedule from the most recent advisory still applies.

The floor and the ceiling

The premium is not charged on every peso. There is a salary floor of ₱10,000 and a ceiling of ₱100,000. If your basic salary is ₱10,000 or below, your premium is figured on ₱10,000, which comes to ₱500. If it is ₱100,000 or above, it is figured on ₱100,000, which comes to ₱5,000. Anywhere in between, it is 5 percent of your actual basic salary.

Your half

For employed members the premium is shared equally with your employer. At the ceiling, the ₱5,000 total is ₱2,500 from you and ₱2,500 from your employer. So the amount that leaves your pay is half of the premium, not the whole figure.

What basic salary means here

The premium is based on your monthly basic salary, which leaves out overtime, allowances, your 13th month pay, and bonuses. That is why the PhilHealth line on your payslip can stay steady even in a month when your take-home jumps from overtime.

The 2023 freeze, briefly

You may remember a stretch when the rate was held at 4 percent. That was a one-year suspension of the scheduled increase in 2023. The full 5 percent resumed in 2024 and is what applies now. Any figure still quoting a 4 percent rate is out of date.

For your exact share alongside SSS and Pag-IBIG, use the contributions calculator.