PhilHealth Calculator
Calculate your premium for any year from 2019-2025
How to Use This Calculator
Select Year & Type
Choose the contribution year and the member category that best describes your status.
Enter Your Income
Input your monthly basic salary. For self-employed, enter your average monthly declared income.
Calculate and View
Click the “Calculate” button to see a full breakdown of your monthly contribution and shares.
Pro Tips
- Use your basic monthly salary before any deductions.
- Do not include bonuses, overtime, or allowances.
- OFWs should use the peso-equivalent of their income.
Important Notes
- Calculations are based on official rates per year.
- Results are for reference and estimation only.
- Always consult PhilHealth for official figures.
Important Disclaimer
This PhilHealth Contribution Calculator is a supplementary tool designed for estimation purposes only. The computations provided are based on the latest publicly available information and circulars from the Philippine Health Insurance Corporation.
This tool is not an official government application and is in no way affiliated with, endorsed by, or connected to the Philippine Health Insurance Corporation or any other government agency. The results generated should not be considered a final or official assessment.
We assume no liability for any inaccuracies or discrepancies in the calculations. For official computations, filing, and other membership concerns, please consult the official PhilHealth website at www.philhealth.gov.ph or visit your nearest PhilHealth office.
PhilHealth Contribution Guide: Rates, Benefits, and Calculations
In the Philippines, ensuring your health and financial security during medical emergencies is paramount. This is where the Philippine Health Insurance Corporation (PhilHealth) plays a vital role. As the country’s national health insurer, PhilHealth aims to provide every Filipino with access to affordable and quality healthcare.
With contribution rates and policies updated to strengthen the Universal Health Care (UHC) program, it’s more important than ever to understand how much you need to contribute. This guide will break down the latest PhilHealth contribution rates and explain why your contribution matters.
What Exactly is PhilHealth?
PhilHealth is a government-owned and controlled corporation (GOCC) tasked with administering the National Health Insurance Program. Think of it as a nationwide bayanihan for health. Every member’s contribution goes into a central fund that is used to help pay for the medical care of fellow members when they need it.
Under the Universal Health Care Act (R.A. 11223), all Filipino citizens are automatically enrolled in the program. Members are generally classified into two main groups:
- Direct Contributors: These are individuals who have the capacity to pay premiums. This group includes employees in the private and public sectors, self-employed individuals, professionals, Kasambahays, and Overseas Filipino Workers (OFWs).
- Indirect Contributors: These are members whose premiums are subsidized fully by the government. This includes indigent members, senior citizens without a source of income, and persons with disabilities (PWDs) without a source of income.
The Journey to 5%: A History of PhilHealth Contributions
The Universal Health Care Act outlined a gradual increase in premium contributions to ensure the long-term sustainability of the National Health Insurance Program. This scheduled adjustment allows PhilHealth to expand its benefits and provide more comprehensive coverage for all Filipinos. This data is based on the schedule released by PhilHealth. You can view the official circular here.
| Year | Premium Rate | Monthly Salary Ceiling |
|---|---|---|
| 2019 | 2.75% | ₱50,000 |
| 2020 | 3.00% | ₱60,000 |
| 2021 | 3.50% | ₱70,000 |
| 2022 | 4.00% | ₱80,000 |
| 2023* | 4.00% | ₱80,000 |
| 2024 | 5.00% | ₱100,000 |
| 2025 | 5.00% | ₱100,000 |
*The scheduled increase to 4.5% in 2023 was suspended by the Office of the President, keeping the rate at 4.0% for that year.
Contribution Rules by Member Type
Here’s how the calculation applies to different member types based on the selected year’s rate:
Employed Members (Private & Government)
Your contribution is split equally between you and your employer (50/50).
Self-Employed / Voluntary Members
You shoulder the full contribution based on your declared monthly income.
Overseas Filipino Workers (OFWs)
OFWs also pay the full contribution based on their declared income. The calculator provides both the monthly and total annual contribution.
Kasambahay (Domestic Helpers)
A special rule applies here:
- If the salary is ₱5,000 or less: The employer pays the entire contribution. The Kasambahay’s share is ₱0.
- If the salary is above ₱5,000: The standard 50/50 sharing between the employer and Kasambahay applies.
Persons with Disabilities (PWDs)
- If NOT employed / no income: The premium is fully subsidized by the government.
- If formally employed: The PWD’s share is ₱0. The premium is shared equally by their employer and the national government.
Senior Citizens (60 years and above)
- If NOT employed / no income: All Senior Citizens are automatically covered, and their premium is fully subsidized.
- If employed or still earning an income: They are required to contribute the full amount based on their income, similar to a voluntary member.