PhilHealth is the country’s national health insurance. If you’re employed, a premium is deducted from your salary each month and matched by your employer. Here’s exactly how that amount is computed for 2025.
The simple formula
The 2025 premium rate is 5% of your Monthly Basic Salary, split equally between you and your employer:
Total premium = 5% × Monthly Basic Salary
Your share = 2.5% (your employer pays the other 2.5%)Your Monthly Basic Salary is your fixed basic pay — it excludes overtime, allowances, commissions, the 13th-month pay, and bonuses.
The floor and ceiling
The premium base is bounded:
- Income floor: ₱10,000 — salaries below this still pay as if they earned ₱10,000 (minimum total premium ₱500, so ₱250 from you).
- Income ceiling: ₱100,000 — salaries above this are capped at ₱100,000 (maximum total premium ₱5,000, so ₱2,500 from you).
So your share is always between ₱250 and ₱2,500 per month.
How much for common salaries
| Monthly basic salary | Total premium (5%) | Your share | Employer share |
|---|---|---|---|
| ₱10,000 and below | ₱500 | ₱250 | ₱250 |
| ₱25,000 | ₱1,250 | ₱625 | ₱625 |
| ₱30,000 | ₱1,500 | ₱750 | ₱750 |
| ₱50,000 | ₱2,500 | ₱1,250 | ₱1,250 |
| ₱100,000 and above | ₱5,000 | ₱2,500 | ₱2,500 |
Frequently asked questions
Did the PhilHealth rate change in 2025? No — it stayed at 5%, the rate reached in 2024 under the Universal Health Care law’s scheduled increases. The floor (₱10,000) and ceiling (₱100,000) also stayed the same.
Do self-employed and voluntary members pay PhilHealth? Yes, but they shoulder the full 5% themselves (there’s no employer to split it). This guide and calculator focus on the employed-member split.
Is PhilHealth deducted from my 13th-month pay? No. The premium is based on your Monthly Basic Salary only, which excludes the 13th-month pay and bonuses.
Compute your exact premium with the PhilHealth Contribution Calculator, or see your full net pay with the Take-Home Pay Calculator.