PhilHealth 2026: Complete Guide to the 5% Premium Rate, Contribution Table & Benefits
In 2026, the Philippine Health Insurance Corporation (PhilHealth) premium rate is fixed at 5% of your monthly basic salary under the Universal Health Care (UHC) Law. For millions of Filipino workers, this means a standardized, predictable deduction — and broader access to healthcare benefits than any previous year.
This guide covers everything you need to know: the exact contribution amounts at every salary level, what benefits you actually receive, how voluntary members are affected, and what to do if your employer is not remitting correctly.
1. The 5% Premium — How It Is Computed
The PhilHealth premium is calculated as a straight percentage of your Monthly Basic Salary (MBS). It does not include overtime, allowances, or bonuses in its computation base. The cost is split equally between the employer and the employee — each paying 2.5%.
The formula is straightforward:
Monthly Premium = Monthly Basic Salary × 5%
Employee Share = Monthly Basic Salary × 2.5%
2. 2026 PhilHealth Contribution Table by Salary Bracket
The table below covers the full range from the ₱10,000 floor to the ₱100,000 ceiling. Any salary above ₱100,000 is capped — meaning the maximum employee deduction is ₱2,500 per month regardless of how much you earn above that threshold.
| Monthly Basic Salary | Total Premium (5%) | Employee Share (2.5%) | Employer Share (2.5%) |
|---|---|---|---|
| ₱10,000 and below | ₱500.00 | ₱250.00 | ₱250.00 |
| ₱15,000 | ₱750.00 | ₱375.00 | ₱375.00 |
| ₱20,000 | ₱1,000.00 | ₱500.00 | ₱500.00 |
| ₱25,000 | ₱1,250.00 | ₱625.00 | ₱625.00 |
| ₱30,000 | ₱1,500.00 | ₱750.00 | ₱750.00 |
| ₱40,000 | ₱2,000.00 | ₱1,000.00 | ₱1,000.00 |
| ₱50,000 | ₱2,500.00 | ₱1,250.00 | ₱1,250.00 |
| ₱75,000 | ₱3,750.00 | ₱1,875.00 | ₱1,875.00 |
| ₱100,000 and above (CAP) | ₱5,000.00 | ₱2,500.00 | ₱2,500.00 |
Source: PhilHealth Circular No. 2025-001 and the Universal Health Care Act (RA 11223). Rates are applicable for the full calendar year 2026.
3. PhilHealth Konsulta Package — What You Get
One of the most underutilized benefits in 2026 is the PhilHealth Konsulta Package. This is an outpatient primary care package available to all active members at no additional cost beyond your monthly premium.
What the Konsulta Package Covers
- Outpatient consultations — unlimited primary care visits at enrolled Konsulta providers
- Diagnostic tests — CBC, urinalysis, fasting blood sugar, lipid profile, chest X-ray, and more
- 21 essential medicines — for common chronic conditions including hypertension, diabetes, asthma, and high cholesterol
- Health risk assessments — annual health screening to detect early-stage conditions
- Mental health support — initial psychiatric consultations are now covered under the expanded 2026 benefit package
4. No Balance Billing (NBB) Policy
The No Balance Billing policy is one of the most significant protections for Filipino patients. Under NBB, indigent members (those in the lowest income bracket) and senior citizens paying ward accommodation at government hospitals cannot be charged a single centavo beyond what PhilHealth covers.
For private sector employees, PhilHealth Case Rates apply instead. These are fixed payment packages per medical condition or procedure. While private hospitals may still charge above the case rate, PhilHealth's contribution significantly reduces your out-of-pocket burden for surgeries, hospitalization, and major illness treatment.
2026 Selected Case Rates (Sample)
| Condition / Procedure | PhilHealth Case Rate |
|---|---|
| Normal Spontaneous Delivery | ₱6,500 |
| Caesarean Section | ₱19,900 |
| Appendectomy | ₱11,800 |
| Pneumonia (mild) | ₱7,400 |
| Dengue (with warning signs) | ₱7,000 |
| Hemodialysis (per session) | ₱2,600 |
| Cataract Surgery | ₱7,000 per eye |
5. Voluntary Members — Freelancers, Self-Employed & OFWs
If you are self-employed, a freelancer, or an OFW without a local employer, you are responsible for paying the full 5% premium yourself — there is no employer share to split with.
Voluntary members may base their premium on their declared monthly income. The same floor (₱10,000) and ceiling (₱100,000) apply. The minimum monthly premium for a voluntary member is ₱500 (based on ₱10,000 declared income).
How to Pay as a Voluntary Member in 2026
- Online: PhilHealth Member Portal at philhealth.gov.ph
- Over-the-counter: Any PhilHealth office, partner banks (BDO, BPI, Metrobank, PNB, UnionBank), or accredited payment centers (7-Eleven, Bayad Center, M Lhuillier)
- GCash / Maya: Both digital wallets support PhilHealth premium payments in 2026
6. What Happens If Your Employer Does Not Remit
Under the National Health Insurance Act, employers are legally required to remit PhilHealth contributions on time. If your employer deducts PhilHealth from your salary but fails to remit to PhilHealth, you may be denied benefits at the hospital even though the money was taken from your pay.
How to Check If Your Contributions Are Being Remitted
- Log in to the PhilHealth Member Portal at philhealth.gov.ph
- Go to "Member Inquiry" and check your contribution history
- Verify that your employer's remittances appear for the correct months
- If months are missing despite deductions on your payslip, file a complaint at your nearest PhilHealth office or through their official hotline
7. Frequently Asked Questions
8. How PhilHealth Interacts With Your Full Payslip
Understanding PhilHealth in isolation is only half the picture. Your take-home pay is the result of all three mandatory contributions — SSS, PhilHealth, and Pag-IBIG — combined with BIR withholding tax. Here is how they stack up for a ₱30,000 monthly salary:
| Deduction | 2026 Rate | Monthly Amount (₱30,000 salary) |
|---|---|---|
| SSS (Employee Share) | 5% of MSC | ₱1,500.00 |
| PhilHealth (Employee Share) | 2.5% | ₱750.00 |
| Pag-IBIG | Fixed cap | ₱200.00 |
| BIR Withholding Tax | TRAIN Law brackets | ~₱916.67 |
| Estimated Net Take-Home | — | ~₱26,633.33 |
Use our free 2026 Philippine Salary Calculator to compute your exact take-home pay with all deductions automatically applied.
Transparency & Data Sources
This guide is based on 2026 public data from PhilHealth Circular No. 2025-001, the Universal Health Care Act (Republic Act No. 11223), and official PhilHealth premium schedules. Contribution rates and benefit packages are subject to change — always verify current rates at philhealth.gov.ph.
Non-Affiliation: SmartSalaryTool.com is an independent resource and is NOT affiliated with, sponsored by, or endorsed by PhilHealth or any Philippine government agency. All information is for educational purposes only.