PhilHealth Contribution Calculator [Fast & Precise]
Instantly calculate your 2025 PhilHealth contributions by membership and salary!
The PhilHealth Contribution Calculator for 2025 is a user-friendly tool that calculates monthly contributions to the Philippine Health Insurance Corporation (PhilHealth) based on membership type and monthly salary.
It supports four membership categories: Employed, Self-employed, Overseas Filipino Workers (OFWs), and Kasambahays (household workers).
By inputting your membership type and salary, the calculator provides the total monthly premium, employer share (if applicable), and employee share, ensuring compliance with the 2025 contribution rates mandated by the Universal Health Care Law (Republic Act No. 11223).
This tool is invaluable for individuals, employers, and payroll professionals managing healthcare contributions.
How the PhilHealth Contribution Calculator Works
The calculator is designed for ease of use and accessibility:
- Select Membership Type: Choose from Employed, Self-employed, OFW, or Kasambahay via a dropdown menu.
- Enter Monthly Salary: Input your monthly salary or declared income in Philippine Pesos.
- Calculate: Click the “Calculate” button to view:
- Total Monthly Premium: The full contribution amount.
- Employer Share: The employer’s portion (if applicable).
- Employee Share: The individual’s portion.
- Clear Results: The calculator resets results upon new input or membership type change.
The interface includes error handling for invalid inputs (e.g., non-numeric or negative values) and displays results in a formatted, user-friendly layout with Philippine Peso formatting (e.g., ₱1,000.00).
How to Calculate PhilHealth Contribution
The following examples illustrate how contributions are calculated for different membership types:
Example 1: Employed Member
- Monthly Salary: ₱20,000
- Total Premium: 5% of ₱20,000 = ₱1,000
- Employer Share: ₱500
- Employee Share: ₱500
Example 2: Self-employed Member
- Monthly Income: ₱30,000
- Total Premium: 5% of ₱30,000 = ₱1,500
- Employer Share: N/A
- Employee Share: ₱1,500
Example 3: OFW
- Monthly Salary: ₱15,000
- Total Premium: 5% of ₱15,000 = ₱750 (minimum monthly base of ₱10,000 applies, so ₱500/month; annualized to ₱6,000, but OFWs pay annually with a minimum of ₱12,000/year, equivalent to ₱1,000/month)
- Employer Share: N/A
- Employee Share: ₱1,000 (adjusted for annual minimum)
Example 4: Kasambahay
- Monthly Salary: ₱4,000
- Total Premium: ₱500 (fixed for salaries ≤ ₱10,000)
- Employer Share: ₱500 (full premium for salaries ≤ ₱5,000)
- Employee Share: ₱0
Example 5: High-Income Employed Member
- Monthly Salary: ₱120,000
- Total Premium: 5% of ₱100,000 (ceiling) = ₱5,000
- Employer Share: ₱2,500
- Employee Share: ₱2,500
These examples demonstrate the calculator’s ability to handle various scenarios, ensuring accurate results based on 2025 rules.
Special Considerations
- OFWs: Contributions are typically paid annually or semi-annually, with a minimum annual premium of ₱12,000 and a maximum of ₱60,000. The calculator displays monthly equivalents for clarity, but OFWs should note the annual payment structure.
- Kasambahays: Employers must register their Kasambahays with PhilHealth and ensure timely contribution payments. For salaries ≤ ₱5,000, the employer covers the full premium.
- Self-employed: Must declare their monthly income accurately and pay contributions through authorized collecting agents or PhilHealth offices.
- Sponsored/Indigent Members: Certain groups, such as indigent families or those sponsored by the government (e.g., DSWD), are exempt from contributions, which are covered by subsidies.
- Compliance: Employers must update payroll systems to reflect the 5% rate and new salary ceiling to avoid penalties.
Accessibility and Usability of PhilHealth Calculator
The calculator’s interface is designed for accessibility, featuring:
- A dropdown menu for selecting membership type, with dynamic descriptions updating based on selection.
- A currency-formatted input field for monthly salary.
- A clear “Calculate” button with an animated icon for user engagement.
- A results section displaying total premium, employer share, and employee share in a clean, centered layout.
- Responsive design for mobile and desktop users, ensuring usability across devices.
For complex cases, such as OFW annual payments or sponsored members, users are advised to consult PhilHealth directly or seek professional.
What is PhilHealth?
PhilHealth is a government-owned and controlled corporation established to administer the National Health Insurance Program (NHIP) under the Universal Health Care Law.
It aims to provide affordable healthcare services to all Filipinos, covering inpatient care, outpatient services, and preventive health programs.
Contributions are mandatory for employed individuals, self-employed professionals, OFWs, and Kasambahays, with funds pooled from employees, employers, and government subsidies to support medical benefits for over 69 million Filipinos as of 2022.
PhilHealth Contribution Rates and Rules for 2025
The 2025 PhilHealth contribution rates, effective January 2025, are aligned with the Universal Health Care Law’s goal of enhancing healthcare coverage. The key details are:
| Monthly Basic Salary | Premium Rate | Monthly Premium |
|---|---|---|
| ≤ ₱10,000 | 5.00% | ₱500.00 |
| ₱10,000.01 - ₱99,999.99 | 5.00% | ₱500.01 - ₱5,000.00 |
| ≥ ₱100,000 | 5.00% | ₱5,000.00 (capped) |
For more details, check the latest PhilHealth Contribution table.
Membership Type Specifics:
- Employed: Premiums are split equally (50/50) between the employer and the employee.
- Self-employed: Individuals pay the full premium amount.
- OFW: Pay 5% of monthly income (minimum ₱10,000), with annual premiums ranging from ₱12,000 to ₱60,000, typically paid annually or semi-annually.
- Kasambahay: For salaries ≤ ₱5,000, employers pay the full premium; for salaries > ₱5,000, premiums are split 50/50.
Filing and Payment Requirements
PhilHealth contributions must be remitted monthly for employed and self-employed members, typically through employers or authorized collecting agents.
Key requirements include:
- Employed: Employers deduct the employee share from salaries and remit both shares to PhilHealth via accredited banks or online platforms.
- Self-employed: Pay directly to PhilHealth or authorized agents, often quarterly or annually.
- OFWs: Pay annually or semi-annually, with payments due by the end of the calendar year or semi-annual period.
- Kasambahays: Employers handle registration and payment, ensuring compliance with PhilHealth regulations.
Failure to remit contributions on time may result in penalties or loss of benefits.
Comparison with Other Contributions
PhilHealth contributions differ from other mandatory contributions in the Philippines, such as SSS (Social Security System) or Pag-IBIG Fund, which have different rates and purposes.
PhilHealth focuses on healthcare coverage, while SSS addresses retirement and social security, and Pag-IBIG supports housing and savings.
The 5% PhilHealth rate is higher than Pag-IBIG’s 2% but lower than SSS’s 15% (2025 rate), reflecting its specific role in funding medical services.
To calculate your income tax, try our latest BIR Income Tax Calculator.