How much PhilHealth takes from your pay in 2026 — and how much your employer matches.
Effective January 2026PhilHealth is your government health insurance. In 2026 the premium is 5% of your monthly basic salary, split down the middle: you pay 2.5% and your employer pays the other 2.5%. This page shows the table and lets you check your own salary.
Counted between a ₱10,000 floor and a ₱100,000 ceiling.
PhilHealth takes 5% of your monthly basic salary as the total premium, then you and your employer each shoulder half. If you earn below ₱10,000 the premium is based on ₱10,000. If you earn above ₱100,000 it is based on ₱100,000 — so the deduction stops rising there.
| Monthly basic salary | Total premium (5%) | You pay (2.5%) | Employer (2.5%) |
|---|---|---|---|
| ₱10,000 & below | ₱500.00 | ₱250.00 | ₱250.00 |
| ₱15,000.00 | ₱750.00 | ₱375.00 | ₱375.00 |
| ₱20,000.00 | ₱1,000.00 | ₱500.00 | ₱500.00 |
| ₱25,000.00 | ₱1,250.00 | ₱625.00 | ₱625.00 |
| ₱30,000.00 | ₱1,500.00 | ₱750.00 | ₱750.00 |
| ₱40,000.00 | ₱2,000.00 | ₱1,000.00 | ₱1,000.00 |
| ₱50,000.00 | ₱2,500.00 | ₱1,250.00 | ₱1,250.00 |
| ₱70,000.00 | ₱3,500.00 | ₱1,750.00 | ₱1,750.00 |
| ₱100,000 & up | ₱5,000.00 | ₱2,500.00 | ₱2,500.00 |
The 2026 premium rate is 5% of your monthly basic salary, split evenly. The employee pays 2.5% and the employer pays 2.5%. Salaries are counted between a ₱10,000 floor and a ₱100,000 ceiling.
The total premium is 5% of ₱25,000 = ₱1,250. You and your employer split it, so your share is ₱625 per month.
The least an employee pays is ₱250 a month (on salaries of ₱10,000 or below). The most is ₱2,500 a month (on salaries of ₱100,000 or more). Earning above ₱100,000 does not raise it.
Yes. Under the Universal Health Care Act the premium rate is capped at 5%, and it stays at 5% for 2026.
PhilHealth is one of four deductions. Sweldo Check adds SSS, Pag-IBIG and tax, then shows your real take-home — free, no sign-up.
Open Sweldo Check →Know your take-home, then plan it. IponPal maps your pay around your payday cycle — committed, free, and saved.
Reflects the 2026 PhilHealth premium schedule (5%, ₱10,000–₱100,000). Rates are set by PhilHealth and can change. For official figures check philhealth.gov.ph or your payslip.