Understanding your results
Employed results split the modeled total premium between employee and employer shares. Self-employed and voluntary modes show the member paying 100% of the modeled premium. OFW uses a simplified rate band — confirm against PhilHealth’s OFW-specific schedule before remitting.
Latest PhilHealth contribution table (overview)
PhilHealth updates income brackets, rates, and caps through circulars tied to the Universal Health Care Act implementation. Employers typically multiply monthly income by the published rate, apply minimum and maximum rules, then split shares. Because tables change, we mirror common payroll assumptions (for example, 5% total with employee half in employed mode) and urge you to open the official PDF for your calendar year.
How PhilHealth premiums are computed
Premiums are income-based with policy floors and ceilings so low earners remain covered while high earners face contribution caps. Your HR department may annualize bonuses differently from your base pay — that nuance can shift the income basis used for premium computation.
Examples by salary bracket
A mid-level professional with ₱50,000 monthly income will generally fall in a higher employee share band than a minimum-wage worker, but both may hit the same cap when income is very high. Use the calculator to toggle employment type when you move from corporate employment to freelancing — the responsibility for the full premium shifts to you as a self-employed member.
Common PhilHealth mistakes
- Assuming PhilHealth equals exactly 2.5% of gross without checking ceilings.
- Ignoring pro-rated deductions after a mid-year circular update.
- Missing dependent updates or member data corrections that affect billing.
Why premiums matter for benefit access
Staying current on PhilHealth helps maintain eligibility for inpatient and selected outpatient benefits. When premiums are skipped or delayed, claims can be delayed or denied even if you are otherwise healthy. For self-employed members, the discipline of monthly remittance is entirely on you — calendar reminders and auto-debit arrangements reduce friction.
If you are moving between employers, ask for a certificate of premium payments and watch for overlapping or gap months. Consolidating records now prevents headaches later when you need to file a claim or prove continuity of coverage.
Related calculators
Sources & references
Premium rates and brackets change with PhilHealth circulars. Always confirm the current table on PhilHealth before remitting or disputing deductions.