Multiply your monthly basic salary by 5% — that's the total premium. First clamp your salary to the ₱10,000 floor and ₱100,000 ceiling. If you're employed, you and your employer each pay half (2.5%). A ₱25,000 salary means ₱1,250 total — ₱625 from you and ₱625 from your employer.
Every PhilHealth member in the Philippines pays the same headline rate in 2026: 5% of monthly basic salary. That rate is the final, plateau figure under Republic Act 11223 (the Universal Health Care Act), and no further increase is scheduled. The premium is deliberately simple — one flat percentage — but two guardrails shape the actual peso amount: an income floor and an income ceiling. This guide walks through the formula, the guardrails, and the employee/employer split, then shows the exact arithmetic for several salaries.
Prefer to skip the math? The PhilHealth Contribution Calculator does every step below automatically, and the Take-Home Pay Calculator folds it into your full net salary alongside SSS, Pag-IBIG, and tax.
The formula and its two guardrails
1. The 5% premium rate
Unlike SSS, PhilHealth does not use salary brackets or a lookup table. It applies one flat rate to your monthly basic salary: 5%. That single percentage is the whole calculation — there is no separate Employees' Compensation fee and no provident-fund slice to track.
2. The income floor and ceiling
Before you apply the 5%, your salary is clamped to a range. Anything below the ₱10,000 floor is treated as ₱10,000; anything above the ₱100,000 ceiling is treated as ₱100,000. That means the total monthly premium can never fall below ₱500 or rise above ₱5,000, no matter how little or how much you earn.
Step by step
The method is the same for everyone; only the final split differs.
Step 1 — Clamp your salary to the ₱10,000–₱100,000 range
Take your monthly basic salary. If it is below ₱10,000, use ₱10,000. If it is above ₱100,000, use ₱100,000. Otherwise, use your salary as-is.
Step 2 — Multiply by 5%
Clamped salary × 0.05 = total monthly premium. This is the whole contribution — there are no add-on fees.
Step 3 — Split the share
If you're employed, the total is split equally: you pay 2.5% (deducted from your salary) and your employer pays the other 2.5%. If you're self-employed, voluntary, or an OFW, you pay the full 5% yourself — there is no employer to share it.
Worked examples (2026)
Here's the full arithmetic at several common salary levels, for an employed member. The total premium is 5% of salary; the employee and employer each pay half.
| Monthly salary | Total premium (5%) | Employee (2.5%) | Employer (2.5%) |
|---|---|---|---|
| ₱10,000 and below | 500 | 250 | 250 |
| ₱15,000 | 750 | 375 | 375 |
| ₱20,000 | 1,000 | 500 | 500 |
| ₱25,000 | 1,250 | 625 | 625 |
| ₱50,000 | 2,500 | 1,250 | 1,250 |
| ₱75,000 | 3,750 | 1,875 | 1,875 |
| ₱100,000 and above | 5,000 | 2,500 | 2,500 |
"Employee" is the amount deducted from your salary. The employer share is paid on top of your pay, not out of it.
Take the ₱25,000 row in detail. The salary is inside the ₱10,000–₱100,000 range, so no clamping is needed. Total premium = ₱25,000 × 5% = ₱1,250, split into ₱625 from you (2.5%) and ₱625 from your employer (2.5%). Only your ₱625 touches your take-home pay.
Don't want to do this by hand?
Enter your salary and membership type, and get your exact PhilHealth premium — employee share and employer share — instantly, with the ₱10,000 floor and ₱100,000 ceiling applied for you.
Open the PhilHealth Calculator →How the split changes by membership type
- Employed (private sector): 2.5% you / 2.5% employer, split equally.
- Self-employed: full 5% self-paid — no employer to share it.
- Voluntary member: full 5%, paid on your own.
- OFW: full 5%, paid on your own. The same ₱10,000 floor and ₱100,000 ceiling apply.
The floor and the ceiling in practice
Minimum premium — ₱500
Because salary is clamped up to the ₱10,000 floor, nobody pays less than ₱500 in total premium (₱250 employee, ₱250 employer). Even a part-time salary of ₱8,000 pays this minimum — the ₱10,000 floor applies before the 5% does.
Maximum premium — ₱5,000
Because salary is clamped down to the ₱100,000 ceiling, nobody pays more than ₱5,000 in total premium (₱2,500 employee, ₱2,500 employer). A salary of ₱120,000 and a salary of ₱200,000 pay exactly the same PhilHealth premium — the ceiling flattens both to ₱100,000.