🏥 PhilHealth Contribution Guide 2026
The second deduction on your payslip, explained without the headache. One formula, one table, and what you actually get for it.
TL;DR 5% ng monthly basic salary mo ang PhilHealth premium — kalahati sagot ng employer, kaya 2.5% lang sa payslip mo. Mula ₱250 hanggang ₱2,500 max kada buwan. PhilHealth has confirmed this rate stays at 5% for 2026, the final step of the UHC schedule. Kapalit: hospital coverage para sa'yo at sa buong family mo.
📊 PhilHealth sa apat na numero
🧮 The formula (yes, just one line)
Your employer pays half, you pay half. Two guardrails apply: salaries at ₱10,000 or below use ₱10,000 as the basis anyway (the floor), and salaries above ₱100,000 compute from ₱100,000 only (the ceiling).
📈 Gaano kalaki sa payslip, depende sa sweldo
🏥 Ano ang balik sa'yo?
People love complaining about PhilHealth until the hospital bill arrives. Keeping contributions active matters even in months when money is tight.
🪜 Paano ito ginagamit?
Bayad na, automatic
5% premium, hati kayo ng employer (2.5% each) — kada sweldo, wala nang gagawin.
Manatiling active
Lalo na sa mga tight months — your legal dependents ride on your membership for free.
Na-admit sa hospital?
Present PhilHealth sa accredited facility — the case rate pays a chunk of the bill directly.
Malalaking cases
Ask about Z-benefit packages — deeper coverage for expensive conditions.
📋 PhilHealth premium table
| Monthly salary | Total premium (5%) | Sa payslip mo (2.5%) |
|---|---|---|
| ₱10,000 or below | ₱500 | ₱250 |
| ₱20,000 | ₱1,000 | ₱500 |
| ₱30,000 | ₱1,500 | ₱750 |
| ₱50,000 | ₱2,500 | ₱1,250 |
| ₱80,000 | ₱4,000 | ₱2,000 |
| ₱100,000 and up | ₱5,000 (capped) | ₱2,500 max |
Based on the Universal Health Care Act premium schedule. Rates and floors have changed several times in recent years, so confirm current figures at philhealth.gov.ph before making decisions.
PhilHealth quick answers
Bakit ₱250 lang ang PhilHealth sa payslip ko?
Kasi floor 'yan: salaries at ₱10,000 or below use ₱10,000 as the basis anyway. ₱10,000 × 5% = ₱500 total premium, hati kayo ng employer — ₱250 sa'yo.
May ceiling ba?
Yes — salaries above ₱100,000 compute from ₱100,000 only. That's a ₱5,000 total premium, so ₱2,500 max ang share mo no matter how high your salary climbs.
Sino-sino ang covered dependents ko?
Your legal dependents — spouse, kids under 21, qualified parents — ride on your membership for free.
Hanggang ilang araw ang confinement coverage?
45 days of confinement coverage per year, shared across all your dependents.