The PhilHealth contribution 2025 is now officially released. Under the Universal Health Care Law (RA 11223), the premium rate stays at 5% of the Monthly Basic Salary (MBS). This applies to both employees and employers in the Philippines.
For 2025, the salary floor remains ₱10,000, while the ceiling is ₱100,000. Contributions follow the sharing scheme between employer and employee.
Official PhilHealth Contribution Table 2025
| Monthly Basic Salary (MBS) | Premium Rate | Monthly Premium |
|---|---|---|
| ₱10,000.00 | 5.0% | ₱500.00 |
| ₱10,000.01 – ₱99,999.99 | 5.0% | ₱500.00 – ₱5,000.00 |
| ₱100,000.00 and above | 5.0% | ₱5,000.00 |
📌 Source: PhilHealth Advisory 2025
How the Premium is Shared
- Employer share: 50%
- Employee share: 50%
If you are self-employed, OFW, or voluntary member, you shoulder 100% of the premium.
Sample Computations
1. Employee with ₱20,000 MBS
- Contribution = ₱20,000 × 5% = ₱1,000
- Employer = ₱500, Employee = ₱500
2. Employee with ₱50,000 MBS
- Contribution = ₱50,000 × 5% = ₱2,500
- Employer = ₱1,250, Employee = ₱1,250
3. High Earner ₱120,000 MBS
- Computed = ₱120,000 × 5% = ₱6,000
- But capped at ₱5,000
- Employer = ₱2,500, Employee = ₱2,500
Why Understanding PhilHealth Premiums Matters
Knowing your PhilHealth premium Philippines is important because it affects your salary deductions and healthcare benefits. Furthermore, employers must ensure timely remittance to avoid penalties. For employees, monitoring contributions ensures eligibility for benefits.
PhilHealth Calculator 2025
Instead of manual computation, you can use an online calculator to know your exact contribution. Try it here:
👉 Use the Suweldo Calculator (PhilHealth Contribution 2025)
This tool quickly computes based on your salary, applying the 5% premium rate, salary floor, ceiling, and employer–employee sharing.
FAQs — PhilHealth Contribution 2025
Q1: What is the PhilHealth contribution 2025 rate?
It is 5% of the Monthly Basic Salary (MBS) with a floor of ₱10,000 and ceiling of ₱100,000.
Q2: How do employers and employees share the premium?
Employers pay 50% and employees pay 50%.
Q3: What if I am self-employed?
Self-employed or voluntary members pay the full contribution themselves.
Q4: Does overtime or allowance count in MBS?
No. MBS excludes overtime pay, allowances, bonuses, and commissions.
Q5: What happens if my salary is below ₱10,000?
The minimum contribution still applies, so the monthly premium is set at ₱500.