PhilHealth is a vital part of every Filipino worker’s benefits, ensuring access to healthcare services when needed most. With new contribution rates effective in 2025, employees, employers, and self-employed members must stay informed about how much they should contribute. This guide will help you understand the updated PhilHealth contribution table, who needs to pay, and how it affects your monthly salary.
Why PhilHealth Contributions Matter
PhilHealth contributions fund your access to medical benefits such as inpatient care, outpatient treatment, and preventive healthcare programs. Regular and accurate contributions guarantee that you and your dependents can avail of these benefits when the need arises.
For official updates, you may check the PhilHealth website.
PhilHealth Contribution Table for 2025
Below is the updated contribution table for 2025, reflecting the percentage rate and income ceiling:
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- Contribution Rate (2025): 5% of monthly basic salary
- Monthly Income Floor: ₱10,000
- Monthly Income Ceiling: ₱100,000
This means that if your salary falls below ₱10,000, you still contribute based on ₱10,000, and if it exceeds ₱100,000, contributions are capped at ₱100,000.
How to Compute Your PhilHealth Contribution
- Check your monthly salary
Identify your basic salary to determine your contribution. - Apply the contribution rate (5%)
Multiply your monthly salary by 5%. - Split the contribution
- For employees: Employer and employee share the contribution equally (50%-50%).
- For self-employed/voluntary: You shoulder the full contribution.
Example Computation
- Salary: ₱30,000
- Contribution Rate: 5%
- Total Contribution: ₱1,500
For employees:
- Employer share = ₱750
- Employee share = ₱750
For self-employed:
- You pay the full ₱1,500.
PhilHealth for OFWs and Voluntary Members
- OFWs (Overseas Filipino Workers): Contributions may vary based on overseas income declarations. Payments are made annually or semi-annually.
- Voluntary Members: Contributions are based on declared income, following the same floor and ceiling rules.
For more details on membership categories, visit PhilHealth’s Membership Section.
FAQs on PhilHealth Contributions 2025
1. What is the minimum PhilHealth contribution in 2025?
The minimum contribution is based on the ₱10,000 income floor, equivalent to ₱500 per month.
2. What happens if my salary exceeds ₱100,000?
Your contribution is capped at ₱5,000 per month, split between you and your employer.
3. Can I still pay PhilHealth if I’m unemployed?
Yes. You can continue as a voluntary member and pay contributions directly to PhilHealth.
Final Thoughts
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