Guide on PhilHealth Contribution Rate 2026 for Members
PHILHEALTH RATE 2026 – Members who earn more than P100,000 as monthly income should remit this contribution monthly to maintain an active account to the Philippine Health Insurance Corporation.
A huge part of the Filipino populace is composed of Pinoys who are members of the Philippine Health Insurance Corporation. More popularly known as PhilHealth, it is widely recognized as one of the most affordable health insurance options in the country.
PhilHealth offers protection not only for emergencies but also for non-emergency medical needs. Across the the country, millions of people depend on PhilHealth as their primary health insurer. Undeniably, its popularity stems from the lower monthly premiums compared to private insurance providers which a lot of people cannot afford considering the high cost of living in the country now.
To maintain an active membership to the Philippine Health Insurance Corp., it is crucial to regularly pay the required contributions — in this case, the PhilHealth rate 2026. The state-run entity has been operating since 1995 and has steadily expanded its coverage to include more services and benefits over the years.
Membership is divided into two categories:
Direct Contributors
- Employees with formal employment in the government and private companies
- Household helpers or Kasambahays
- Self-earning individuals
- Professional practitioners
- Overseas Filipino Workers
- Filipinos living abroad and those with dual citizenship
- Lifetime members
- All Filipinos aged 21 years and above with capacity to pay
Indirect Contributors
- Indigents identified by the Department of Social Welfare and Development (DSWD)
- Beneficiaries of Pantawid Pamilyang Pilipino Program
- Senior citizens
- Persons with disability
- Sangguniang Kabataan officials
- Previously identified at point-of-service / sponsored by LGUs
- Filipinos aged 21 years old and above without capacity to pay premiums
To keep your PhilHealth membership active, it’s necessary to pay the exact PhilHealth rate 2026 based on your monthly income. If you want to prepare ahead, you can check the premiums set by the state-run health insurer which is determined by the member’s salary.
For 2026, PhilHealth has confirmed that the ceiling rate will remain at 5%. Thus, for members who are earning Php 100,000.00 or more each month, the contribution is set at Php 5,000.00.
With an updated PhilHealth account, members can access a variety of packages and benefits offered by the state health insurer. Here’s a guide to what’s available: