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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.

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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.

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Government

Guide to the PhilHealth TB-DOTS Package: Fighting TB with Government Support

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What is the PhilHealth TB-DOTS Package?

The TB-DOTS Package is a benefit that covers the cost of treatment for tuberculosis (TB) under the Directly Observed Treatment, Short-course (DOTS) strategy. DOTS is a proven, effective way to treat TB and prevent the spread of the disease.

Who Can Avail?

The TB-DOTS Package is available for:

  • New TB cases (smear-positive or smear-negative with radiographic abnormalities)
  • Extrapulmonary TB cases (TB affecting organs other than the lungs)
  • Children and adults with TB sensitive to first-line anti-TB drugs
  • Patients with relapse, treatment after failure, return after default, or unknown previous treatment outcome.

How to Avail of the TB-DOTS Package

Follow these steps to access the package:

  1. Find an Accredited TB-DOTS Center: Go to the nearest PhilHealth-accredited TB-DOTS center.
  2. Consult a Doctor: Get a medical assessment to determine if you have TB.
  3. Get Diagnosed: Undergo required diagnostic exams like sputum smear microscopy or chest X-ray.
  4. Start Treatment: If diagnosed with TB, follow the treatment regimen prescribed by your doctor.
  5. Continue Follow-ups: Regularly return to the TB-DOTS center for check-ups and monitoring.

The TB-DOTS Package covers the cost of the following services:

  • Diagnosis: This includes sputum smear microscopy and chest x-ray.
  • Treatment: This includes the cost of TB drugs, consultation fees, and laboratory tests.
  • Directly observed treatment: This means that a health care provider or other trained person watches the patient take their TB drugs every day to make sure they are taking them correctly.

How to Claim for TB-DOTS Package

Members must submit a claim form to their local PhilHealth office. The claim form must be accompanied by the following documents:

  • PhilHealth member ID card
  • Proof of payment of PhilHealth premiums
  • Hospital discharge summary
  • Medical receipts

Once the claim is processed, PhilHealth will reimburse the member for the cost of the covered services.

The TB-DOTS Package is a valuable benefit that can help to reduce the financial burden of TB treatment for PhilHealth members and their families.

Here are some additional information about PhilHealth TB-DOTS Package:

  • The TB-DOTS Package is worth Php4,000.
  • The TB-DOTS Package can be availed of up to 1 time in a calendar year.
  • The TB-DOTS Package can be availed of in any PhilHealth-accredited TB-DOTS provider.

The PhilHealth TB-DOTS Package is a key initiative in the government’s fight against tuberculosis in the Philippines. It ensures that more Filipinos can access quality treatment without worrying about high medical costs. If you or a loved one show symptoms of TB, don’t hesitate to avail of this program. Your health matters, and the government is here to help.

For more guides on PhilHealth benefits, healthcare savings, and everyday money tips, check out our latest posts on lifeguide.ph.

For any concerns or inquiries regarding your PhilHealth matters, you can easily reach out for assistance. You can send an email to actioncenter@philhealth.gov.ph or you can check our guide in other ways to contact Philhealth.

Categories
Government

PhilHealth Outpatient Blood Program (OBP): What You Need to Know

Did you know that PhilHealth now offers financial help for blood transfusions through the Outpatient Blood Program (OBP)? Many Filipinos still don’t know that this benefit exists, and it could save you or your loved ones thousands of pesos in hospital bills.

Blood transfusions are often required in emergencies whether due to surgery, accidents, or chronic illnesses like anemia. Unfortunately, these procedures can be expensive if paid out of pocket. With the PhilHealth OBP, qualified members can get financial assistance to cover the cost of blood units, making healthcare more accessible and affordable for everyone.

If you’re a PhilHealth member, here’s what you need to know about this program and how you can use it when you or your family need it most.

What is PhilHealth Outpatient Blood Program?

The PhilHealth Outpatient Blood Program (OBP) is designed to help members shoulder the cost of blood transfusions. This program covers the processing and screening of blood units obtained from accredited blood service facilities or hospitals.

In simple terms, PhilHealth helps pay for the blood you need, as long as it’s prescribed by your doctor and sourced from a licensed blood center. This benefit is available whether you are admitted to a hospital or receiving outpatient treatment.

Who Can Avail of the OBP?

All PhilHealth members whether employed, self-employed, indigent, or senior citizens are eligible for the OBP benefit. Your dependents can also avail of it, as long as your membership contributions are updated.

To qualify, make sure you have:

  • Updated PhilHealth contributions (at least 9 months within the last 12 months)
  • A valid doctor’s request for blood transfusion
  • The transfusion performed in a PhilHealth-accredited health facility

How Much is Covered Under the PhilHealth OBP?

PhilHealth provides a fixed rate per blood unit as part of the OBP. The exact amount may vary depending on the facility, but it generally helps reduce or fully cover the processing fee charged by blood centers.

While PhilHealth does not directly pay for the blood itself, it reimburses the service and screening fees, which can still be a big help for patients dealing with unexpected medical costs.

How to Avail the PhilHealth Outpatient Blood Program

Here’s a quick guide on how to claim your OBP benefit:

  1. Ask your doctor for a request for a blood transfusion.
  2. Go to a PhilHealth-accredited hospital or blood center for the procedure.
  3. Prepare the following documents:
    • Updated PhilHealth Member Data Record (MDR)
    • Valid ID of the member and patient
    • Official blood transfusion request from your attending physician
    • Claim form from the hospital (usually PhilHealth Form 1)
  4. Submit your documents to the hospital’s PhilHealth desk or billing section before discharge or after the procedure.
  5. Wait for the benefit to be applied to your hospital bill or reimbursed, depending on the facility’s policy.

Pro tip: Keep copies of all receipts and requests, especially if you plan to file for reimbursement directly.

Why This Program Matters

For many Filipinos, every peso counts especially when it comes to medical expenses. Blood transfusions can cost from ₱1,500 to ₱3,000 per unit, and that’s not even counting hospital fees.

The PhilHealth Outpatient Blood Program helps ease that burden by ensuring that essential procedures like blood transfusions are within reach for ordinary families. It’s part of PhilHealth’s effort to make universal healthcare a reality for all members, regardless of income.

Final Thoughts

Healthcare emergencies can happen anytime, and being prepared makes all the difference. By knowing your benefits under the PhilHealth Outpatient Blood Program, you can save money and get the medical help you need without unnecessary stress.

If you haven’t updated your PhilHealth contributions yet, now’s a good time to do so. You never know when this benefit could save you or someone you love.

For more guides on PhilHealth benefits, healthcare savings, and everyday money tips, check out our latest posts on lifeguide.ph.

For any concerns or inquiries regarding your PhilHealth matters, you can easily reach out for assistance. You can send an email to actioncenter@philhealth.gov.ph or you can check our guide in other ways to contact Philhealth.

Categories
Adulting Finance Government

Your Ultimate Guide to PhilHealth Contribution Rates from 2019 to 2025

Navigating PhilHealth contributions can be a bit tricky, whether you’re a first-time member, a long-time contributor, or someone looking to understand the latest updates.

PhilHealth contributions are an essential part of the Philippine healthcare system, ensuring that Filipinos have access to affordable and quality medical services.

From 2019 to 2025, the Philippine Health Insurance Corporation (PhilHealth) has made several adjustments to its contribution rates to accommodate the growing demands of healthcare services affecting employees, employers, and voluntary members alike.

Whether you’re curious about how much you’ll pay or how the changes impact your health coverage, this ultimate guide breaks down everything you need to know. We’ll help you stay updated on PhilHealth’s evolving policies and ensure that you’re prepared for the future of healthcare benefits in the Philippines.

PhilHealth Contribution Table from 2019 to 2025

Source: Philhealth