Guide on PhilHealth Rate 2026 for Members based on Income Per Month
PHILHEALTH RATE 2026 – Members who earn more than P10,000 but below P100,000 as monthly income should remit this contribution monthly to maintain an active account to the Philippine Health Insurance Corporation.
In the Philippines, a great number of Filipino families rely on the health insurance provided by the Philippine Health Insurance Corporation or more popularly known as PhilHealth. For many people, keeping their membership active is a way to prepare for the unexpected medical needs.
To maintain an updated account with PhilHealth, members must regularly pay their contributions at the correct rate. This is similar to how Pag-IBIG contributions as well as the premiums in state-run social insurance entities like the Social Security System (SSS) and the Government Service Insurance System (GSIS) are handled.
The PhilHealth month premium depends on the member’s salary. Since many Filipinos earn just enough to get by, having PhilHealth as a safety net is crucial for both emergency and non-emergency situations.
PhilHealth has been serving millions of Filipinos since it was established in 1995. Over the years, it has expanded its membership to include both direct and indirect contributors. This structure ensures that a wide range of Filipinos, regardless of their employment status, can access health coverage through PhilHealth.
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 essential to pay the correct PhilHealth Rate 2026. For this year, the contribution rate remains at 5%. The exact amount of the members’ premiums depends on the member’s monthly income.
If you earn between Php 10,000.01 and Php 99,999.99 per month, your contribution for 2026 will range from Php 500.00 up to Php 5,000.00, depending on your actual salary.
PhilHealth members with updated accounts can access a wide array of benefits covering both inpatient and outpatient services. Here’s a guide to the packages and advantages available:
PhilHealth members may choose to pay for the PhilHealth Rate 2026 premium monthly, quarterly, or semi-annually basis.