Guide on PhilHealth Rate 2026 for Members based on Income Per Month
PHILHEALTH RATE 2026 – Members who earn P10,000 and below as monthly income should remit this contribution monthly to maintain an active account to the Philippine Health Insurance Corporation.
Unfortunately, due to the financial situations of many people, a lot of Filipino families simply cannot spare extra funds for private health insurance policies. Because of this, a huge number of Pinoys rely on the Philippine Health Insurance Corporation, better known as PhilHealth, with regards to their health insurance.
PhilHealth offers a more affordable insurance coverage. While it may not be as much as those of the private health insurance policies, the state-run institution made sure it has addressed many health situations.
The reality is that not everyone can shoulder the premiums charged by private insurers. This is where PhilHealth wants to help. It serves as the more accessible option for those who need a health coverage without the heavy financial burden.
Although maintaining an active PhilHealth account still requires payment, the cost is considerably lower. Thus, it may not hurt the monthly budget which may already be stretched for the many expenses that need to be addressed in the household every month.
One significant advantage of PhilHealth membership is that benefits can extend to dependents. This means that even if only one parent is registered, the entire family can still benefit from the health insurance coverage.
PhilHealth now has millions of members nationwide, with a large portion made up of direct contributors. Here’s a quick guide:
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
Although PhilHealth contributions are affordable compared to private health insurance policies, they come with a wide range of benefits that cover both emergency and non-emergency situations. The key is to keep your account active and updated by constantly posting premium — in this case, it would depend on the PhilHealth Rate 2026.
The PhilhHealth Rate 2026 is determined mainly by one factor — the income of the member. It’s valuable to pay the correct premium to ensure your account remains valid.
PhilHealth has set the contribution rate this 2026 at 5%. It is the maximum percentage based on its official guidelines. For direct contributors earning P10,000.00 or less per month, the premium is P500.00 per month.
PhilHealth members who have updated accounts can enjoy various benefits and packages. Here’s a guide to the coverage and advantages available: