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Official PhilHealth Monthly Contribution Table 2026
Written by Kiko Santos
Medical Review by Dr. Patricia Reyes, MD
🕒 10 min read
📅 Updated: June 15, 2026
Here is the official PhilHealth contribution rate schedule for 2026. This year, the premium contribution rate is set at 5% of your monthly basic salary, with a floor of ₱10,000 and a ceiling limit of ₱100,000. Learn how much you and your employer need to pay monthly.
💡 Quick Key Takeaways
The 2026 premium rate remains at 5.0% of the monthly basic salary.
The contribution cost is split 50/50 between the employee (2.5%) and the employer (2.5%).
The minimum monthly basic salary floor is ₱10,000, which results in a minimum premium of ₱500.
The maximum monthly basic salary ceiling is ₱100,000, capping contributions at ₱5,000 monthly.
Understanding the 2026 Contribution Scale
Under the Universal Health Care Act, premium contributions are structured to fund healthcare benefits for all Filipinos. The premium rates are calculated based on your monthly basic salary. For formal employees, the employer is legally obligated to match and deduct these payments.
2026 Contribution Table Details
Monthly Basic Salary Bracket
Premium Rate
Total Monthly Premium
Employee Share (2.5%)
Employer Share (2.5%)
₱10,000 and below (Floor)
5.0%
₱500.00
₱250.00
₱250.00
₱15,000.00
5.0%
₱750.00
₱375.00
₱375.00
₱30,000.00
5.0%
₱1,500.00
₱750.00
₱750.00
₱50,000.00
5.0%
₱2,500.00
₱1,250.00
₱1,250.00
₱75,000.00
5.0%
₱3,750.00
₱1,875.00
₱1,875.00
₱100,000 and above (Ceiling)
5.0%
₱5,000.00
₱2,500.00
₱2,500.00
Premium Billing Formulas
To calculate your exact contribution, use the following formulas:
1. **Total Premium** = Monthly Basic Salary × 0.05 (bounded between ₱500 and ₱5,000) 2. **Employee Deduction** = Total Premium ÷ 2 3. **Employer Deduction** = Total Premium ÷ 2
Important Contribution Payment Notes
Direct vs Indirect Contributors
Indirect contributors (indigents, 4Ps members, senior citizens registered under the Senior Citizen Law) are fully subsidized by the Philippine Government and are exempt from paying monthly premiums out-of-pocket.
✓ Fact Checked🛡️ Expert Reviewed📅 Reviewed: June 08, 2026
Kiko Santos
Philippine Healthcare Policy Analyst
Kiko Santos is a former public health administrator and writer specializing in PhilHealth, SSS, and Pag-IBIG social benefits. He holds a Master's degree in Public Administration from UP Diliman.
Dr. Patricia Reyes, MD
Health Systems Consultant & Medical Director
Dr. Patricia Reyes has over 15 years of experience in hospital management and health economics in Manila. She reviews Sipbite's content to ensure clinical and administrative accuracy.
Version v3.0 (June 15, 2026): Updated table rates matching the 5% premium bracket limits.
Thank you for this guide. I followed the online registration steps using the PMRF. It took exactly 1 day for my MDR to get generated in my online portal! Very accurate timeline detail.
Juan Dela Cruz3 weeks ago
Is it required to submit the marriage certificate if registering my wife as a dependent? My marriage is verified by PSA.
Kiko Santos (Author)3 weeks ago
Hi Juan! Yes, a photocopy of your PSA Marriage Certificate is mandatory when updating your MDR to add your spouse. Make sure to attach it to your PMRF update form.
Thank you for this guide. I followed the online registration steps using the PMRF. It took exactly 1 day for my MDR to get generated in my online portal! Very accurate timeline detail.
Is it required to submit the marriage certificate if registering my wife as a dependent? My marriage is verified by PSA.
Hi Juan! Yes, a photocopy of your PSA Marriage Certificate is mandatory when updating your MDR to add your spouse. Make sure to attach it to your PMRF update form.