Category: Adulting

Categories
Adulting Finance Government

Your Ultimate Guide to PhilHealth Contribution Rates from 2019 to 2026

Updated: January 2026

PhilHealth Contribution Rates from 2021 to 2026: Your Complete Guide

If you’ve ever felt confused about PhilHealth contributions, you’re not alone. Every few years, the monthly rates change, and many Filipinos struggle to keep track.

This guide breaks down the PhilHealth contribution rates from 2021 to 2026, making it easier for employees, employers, OFWs, and self-employed individuals to understand their payments and plan their budgets. Whether you’re reviewing your payroll deductions or checking how much you need to remit this year, this article simplifies everything in a clear, friendly, Filipino-lifestyle way.

Why PhilHealth Contribution Rates Increased Over the Years

PhilHealth’s contribution adjustments started in 2019 as part of the Universal Health Care Act. The goal was to give every Filipino better access to healthcare services. The increase funds hospital coverage, expanded case rates, Konsulta Packages, and financial risk protection. While contribution hikes sometimes feel heavy on the budget, they support long-term health services we all rely on.

PhilHealth Contribution Table from 2021 to 2026

Source: Philhealth

How to Compute Your PhilHealth Contribution

PhilHealth contributions follow a simple formula:

Formula

Monthly Salary × Premium Rate

If your salary goes beyond the income ceiling, the maximum amount applies.

Example Computation

  • Salary: P25,000
  • Rate (2026): 5%
  • 25,000 × 0.05 = P1,250 total contribution
  • Employee pays P625
  • Employer pays P625

PhilHealth Contribution for OFWs and Self-Employed Members

  • Self-employed: Contributions are based on declared income, using the same table above.
  • Overseas Filipino Workers: The premium follows the annual rate but may be paid annually or semi-annually.
  • Senior Citizens: Automatically covered; no need to pay.
  • Lifetime Members: No more contributions once qualified.

Why These Rates Matter for Filipinos

Knowing your PhilHealth deduction helps you:

  • Track correct employer contributions
  • Plan your monthly and annual budget
  • Understand your healthcare coverage
  • Avoid underpayment issues

With healthcare costs rising, maximizing your PhilHealth benefits is important for long-term financial security.

PhilHealth contributions can be confusing, but keeping track yearly ensures you’re protected and well-informed. As the Universal Health Care law continues to roll out, expect more improvements in public health services. For more updated financial guides and lifestyle tips, don’t forget to visit lifeguide.ph.

Categories
Government

List of Pag-IBIG Fund Office Email Address in NCR

Updated: January 2026

We’ve compiled a complete list of email addresses in NCR that will help you get in touch with the Pag-IBIG Fund and make your transactions faster and more efficient.

Whether you’re a first-time borrower or a long-time member, this guide will provide you with all the email addresses you need to connect with Pag-IBIG’s various offices in the country.

Pag-IBIG Fund Office Email Address in NCR

Pag-IBIG EmailAreas Covered
ncrnorth@pagibigfund.gov.phGMA Kamuning, Quezon Avenue, Commonwealth Avenue, Cubao, Marikina, Caloocan – EDSA, Valenzuela, Pasig, Mandaluyong – Shaw Zentrum and Antipolo branches
ncrsouth@pagibigfund.gov.phMakati-Buendia I, Binan, Makati-Ayala Avenue, Makati-Buendia II, Makati-JP Rizal, Taguig – Gate 3 Plaza, Guadalupe-EDSA, Muntinlupa, SM Aura, Intramuros, Sta. Mesa, Binondo, Pasay, Las Pinas-Robinsons Place, Paranaque, Imus, Rosario,

How to Email a Pag-IBIG Branch Properly

To get a faster reply, make sure your email includes:

Subject Line

Pag-IBIG Concern – Full Name – MID Number (if available)

Email Body Must Include:

  • Your full name
  • Pag-IBIG MID Number
  • Contact number
  • Type of concern (loan, MP2, contributions, membership update, etc.)
  • Attached valid ID
  • Screenshots or documents connected to your concern

This helps the branch verify your identity and process your request faster.

Additional Tips for Faster Assistance

  • Email only one branch to avoid delays.
  • Expect a response within three to seven business days.
  • For urgent matters, call the Pag-IBIG hotline 8-724-4244.
  • For MP2, online services, or virtual appointments, visit Virtual Pag-IBIG.

Pag-IBIG services don’t have to be time-consuming. With this updated list of Pag-IBIG Luzon branch email addresses, you can send your concerns directly and avoid waiting in long lines.

If you need more guides on government IDs, contributions, and financial tips, feel free to check our other articles here on lifeguide.ph.

Categories
Government

List of Pag-IBIG Fund Office Email Address in Luzon

Updated: January 2026

Handling your Pag-IBIG concerns can feel overwhelming, especially if you’re dealing with housing loans, membership issues, or contribution updates. The good news is you don’t always need to visit a branch. Pag-IBIG Fund now accommodates many requests through email, making it easier for Filipinos, especially those in Luzon, to get the help they need without long lines.

This directory lists all Pag-IBIG Fund office email addresses in Luzon, so you can contact the correct branch right away. Whether you’re following up on your MP2 savings, checking your housing loan status, or requesting account updates, this guide will help you save time and avoid unnecessary travel.

Pag-IBIG Fund Office Email Address in Luzon

Pag-IBIG EmailAreas Covered
ncrnorth@pagibigfund.gov.phGMA Kamuning, Quezon Avenue, Commonwealth Avenue, Cubao, Marikina, Caloocan – EDSA, Valenzuela, Pasig, Mandaluyong – Shaw Zentrum and Antipolo branches
ncrsouth@pagibigfund.gov.phMakati-Buendia I, Binan, Makati-Ayala Avenue, Makati-Buendia II, Makati-JP Rizal, Taguig – Gate 3 Plaza, Guadalupe-EDSA, Muntinlupa, SM Aura, Intramuros, Sta. Mesa, Binondo, Pasay, Las Pinas-Robinsons Place, Paranaque, Imus, Rosario,
Ilocos@pagibigfund.gov.phLa Union, Laoag, Vigan, Dagupan, Urdaneta, and Baguio branches
cagayanvalley@pagibigfund.gov.phTuguegarao, Solano, and Cauayan branches
centralluzon@pagibigfund.gov.phSan Fernando, Tarlac, Angeles, SBMA, Balanga, Malolos, Baliwag, Cabanatuan, and Meycauayan branches
southerntagalog@pagibigfund.gov.phLucena, Batangas, Lipa, Calamba, San Pablo, Sta. Rosa, Calapan, and Palawan branches
bicol@pagibigfund.gov.phLegazpi and Naga branches

How to Email a Pag-IBIG Branch Properly

To get a faster reply, make sure your email includes:

Subject Line

Pag-IBIG Concern – Full Name – MID Number (if available)

Email Body Must Include:

  • Your full name
  • Pag-IBIG MID Number
  • Contact number
  • Type of concern (loan, MP2, contributions, membership update, etc.)
  • Attached valid ID
  • Screenshots or documents connected to your concern

This helps the branch verify your identity and process your request faster.

Additional Tips for Faster Assistance

  • Email only one branch to avoid delays.
  • Expect a response within three to seven business days.
  • For urgent matters, call the Pag-IBIG hotline 8-724-4244.
  • For MP2, online services, or virtual appointments, visit Virtual Pag-IBIG.

Pag-IBIG services don’t have to be time-consuming. With this updated list of Pag-IBIG Luzon branch email addresses, you can send your concerns directly and avoid waiting in long lines.

If you need more guides on government IDs, contributions, and financial tips, feel free to check our other articles here on lifeguide.ph.

Categories
Finance Government

PhilHealth Contribution Table in 2026: Latest Rates and What You Need to Know

If you’re wondering how much you need to pay for the PhilHealth contribution table in 2026, here’s the good news: PhilHealth has not released any new mandate for an increase, so the contribution rate remains at 5%.

For Filipino employees, employers, OFWs, and voluntary members, this guide breaks down the current rates, sample computations, and everything you need to know to stay compliant this year.

PhilHealth Contribution Table for 2026

https://www.philhealth.gov.ph/news/2019/images/new_contri1.jpg?utm_source=chatgpt.com

Source: Philhealth

📌 Premium Rate

  • 5% of monthly basic salary
  • Monthly Salary Floor: ₱10,000
  • Monthly Salary Ceiling: ₱100,000
  • Sharing: 50% employer – 50% employee (for employed workers)

PhilHealth Contribution Table for Employed Members

Monthly SalaryMonthly Premium (5%)Employee ShareEmployer Share
₱10,000 (floor)₱500₱250₱250
₱20,000₱1,000₱500₱500
₱30,000₱1,500₱750₱750
₱50,000₱2,500₱1,250₱1,250
₱100,000 (ceiling)₱5,000₱2,500₱2,500

Formula:
Monthly Salary × 0.05 ÷ 2 = Employee/Employer Share

PhilHealth Contribution Table for Self-Employed, Voluntary, and OFWs

Monthly IncomeTotal Monthly Contribution (5%)
₱10,000 (minimum)₱500
₱20,000₱1,000
₱30,000₱1,500
₱50,000₱2,500
₱100,000 (ceiling)₱5,000

Note: Voluntary and self-employed members shoulder the full amount.

Sample Computations

1. Salary: ₱18,000 (Employed)

18,000 × 0.05 = ₱900 monthly premium

  • Employee: ₱450
  • Employer: ₱450

2. Self-Employed Earnings: ₱15,000

15,000 × 0.05 = ₱750 monthly contribution

3. Salary Hits the Cap (₱100,000)

100,000 × 0.05 = ₱5,000 premium

  • Employee: ₱2,500
  • Employer: ₱2,500

Why the 5 Percent Rate Still Applies in 2026

PhilHealth has not issued any official circular or mandate about increasing the premium rate for 2026. Under the UHC Law, increases were originally scheduled yearly, but PhilHealth has paused some adjustments in the past. Until a new memo is released, the 5% rate remains the latest implemented rate.

Frequently Asked Questions (FAQ)

Is there a confirmed increase for 2026?

None as of today. PhilHealth has not released any new circular.

Will the 5 percent rate change within the year?

Only if PhilHealth issues an updated circular. Always check official announcements.

Does the ceiling remain at ₱100,000?

Yes, the maximum salary base remains ₱100,000 unless PhilHealth updates it.

The PhilHealth contribution table for 2026 remains at a 5% premium rate, giving members clarity on how much to expect this year. Stay tuned to PhilHealth updates to make sure you’re paying the correct amount. For more government contribution guides, budgeting tips, and life hacks, explore more articles on lifeguide.ph.

Categories
Finance Government

Navigating the BIR in 2026: Full List of BIR RDO in the Philippines

Navigating BIR offices in the Philippines can feel overwhelming, especially when you’re unsure where to go or which Regional District Office handles your tax concerns. With updated BIR RDOs for 2026, understanding your assigned office is more important than ever. Whether you’re registering a business, updating your information, or filing taxes, knowing the correct RDO saves time, effort, and unnecessary stress that every Filipino taxpayer can appreciate.

This guide breaks down everything you need to know, including a complete list of BIR RDOs for 2026 and practical tips to help you navigate efficiently.

Complete List of BIR RDOs in the Philippines for 2026

What Is an RDO and Why Does It Matter?

Before anything else, it’s important to know what an RDO does. Your BIR Regional District Office (RDO) is responsible for maintaining and updating your tax records. All your tax-related activities — from registration to filing to requesting documents — must be connected to the RDO you are assigned to.

Your RDO affects:

  • Where you request your TIN verification
  • Where you file certain tax-related documents
  • Processing of COR (Certificate of Registration)
  • Business registration and closure
  • Updating marital status, address, or employment

If you go to the wrong RDO, they’ll redirect you — which means wasted time, longer queues, and repeated trips.

How to Know Your Assigned BIR RDO

1. Call the BIR Hotline

Dial 8538-3200 and request your RDO by providing your full name, birthdate, and TIN.

2. Check Your Old 2316 or COR

These documents usually show your RDO code in the upper section.

3. Visit Your Nearest RDO

If you’re unsure or your records are outdated, visiting the nearest BIR branch can confirm your assigned RDO.

Complete List of BIR RDOs for 2026

RDO CodeRDO
1Laoag City, Ilocos Norte
2Vigan, Ilocos Sur
3San Fernando, La Union
4Calasiao, West Pangasinan
5Alaminos, Pangasinan
6Urdaneta, Pangasinan
7Bangued, Abra
8Baguio City
9La Trinidad, Benguet
10Bontoc, Mt. Province
11Tabuk City, Kalinga
12Lagawe, Ifugao
13Tuguegarao, Cagayan
14Bayombong, Nueva Vizcaya
15Naguilian, Isabela
16Cabarroguis, Quirino
17ATarlac City, Tarlac
17BPaniqui, Tarlac
18Olongapo City
19Subic Bay Freeport Zone
20Balanga, Bataan
21ANorth Pampanga
21BSouth Pampanga
21CClark Freeport Zone
22Baler, Aurora
23ANorth Nueva Ecija
23BSouth Nueva Ecija
24Valenzuela City
25APlaridel, Bulacan (now RDO West Bulacan)
25BSta. Maria, Bulacan (now RDO East Bulacan)
26Malabon-Navotas
27Caloocan City
28Novaliches
29Tondo – San Nicolas
30Binondo
31Sta. Cruz
32Quiapo-Sampaloc-San Miguel-Sta. Mesa
33Intramuros-Ermita-Malate
34Paco-Pandacan-Sta. Ana-San Andres
35Romblon
36Puerto Princesa
37San Jose, Occidental Mindoro
38North Quezon City
39South Quezon City
40Cubao
41Mandaluyong City
42San Juan
43Pasig
44Taguig-Pateros
45Marikina
46Cainta-Taytay
47East Makati
48West Makati
49North Makati
50South Makati
51Pasay City
52Parañaque
53ALas Piñas City
53BMuntinlupa City
54ATrece Martirez City, East Cavite
54BKawit, West Cavite
55San Pablo City
56Calamba, Laguna
57Biñan, Laguna
58Batangas City
59Lipa City
60Lucena City
61Gumaca, Quezon
62Boac, Marinduque
63Calapan, Oriental Mindoro
64Talisay, Camarines Norte
65Naga City
66Iriga City
67Legazpi City, Albay
68Sorsogon, Sorsogon
69Virac, Catanduanes
70Masbate, Masbate
71Kalibo, Aklan
72Roxas City
73San Jose, Antique
74Iloilo City
75Zarraga, Iloilo City
76Victorias City, Negros Occidental
77Bacolod City
78Binalbagan, Negros Occidental
79Dumaguete City
80Mandaue City
81Cebu City North
82Cebu City South
83Talisay City, Cebu
84Tagbilaran City
85Catarman, Northern Samar
86Borongan, Eastern Samar
87Calbayog City, Samar
88Tacloban City
89Ormoc City
90Maasin, Southern Leyte
91Dipolog City
92Pagadian City, Zamboanga del Sur
93AZamboanga City, Zamboanga del Sur
93BIpil, Zamboanga Sibugay
94Isabela, Basilan
95Jolo, Sulu
96Bongao, Tawi-Tawi
97Gingoog City
98Cagayan de Oro City
99Malaybalay City, Bukidnon
100Ozamis City
101Iligan City
102Marawi City
103Butuan City
104Bayugan City, Agusan del Sur
105Surigao City
106Tandag, Surigao del Sur
107Cotabato City
108Kidapawan, North Cotabato
109Tacurong, Sultan Kudarat
110General Santos City
111Koronadal City, South Cotabato
112Tagum, Davao del Norte
113AWest Davao City
113BEast Davao City
114Mati, Davao Oriental
115Digos, Davao del Sur

Tips for Navigating BIR Offices Efficiently

If you’re going to the BIR, efficiency is key. Here are practical tips Filipinos swear by:

  • Come early — Lines start forming before opening hours.
  • Bring photocopies of everything. BIR loves paperwork.
  • Know your RDO first to avoid being redirected.
  • Check dress code — some offices require proper attire.
  • Bring extra IDs, pens, and fully charged devices.
  • Ask guards for guidance — they usually know the process flow.
  • Avoid peak days like Mondays and after holidays.

Finding your correct BIR RDO and navigating their processes doesn’t have to be stressful. With the updated 2026 RDO list and the right preparation, you can handle your tax-related tasks more confidently and efficiently. For more helpful guides on finance, government processes, and everyday life hacks, visit lifeguide.ph for updated resources and tips.