Government Contribution
PhilHealth Premium Calculator
Direct contributors (employer–employee) · Effective January 2026
Premium rate 5% straight on monthly basic salary
Employer 2.5% paid by company
Employee 2.5% payroll-deducted
MBS range ₱10,000 – ₱100,000 Premium ₱500 – ₱5,000
Calculator
Enter the employee's monthly basic salary
Enter a monthly basic salary to see the premium breakdown.
Computation
premium = clamp(MBS, ₱10,000, ₱100,000) × 5%
employer = premium ÷ 2 · employee = premium ÷ 2
- If MBS ≤ ₱10,000 → premium fixed at ₱500 (₱250 each)
- If ₱10,000 < MBS < ₱100,000 → premium = MBS × 5%, split equally
- If MBS ≥ ₱100,000 → premium fixed at ₱5,000 (₱2,500 each)
Examples
- ₱8,000 FloorPremium ₱500.00
- Employer
- 250.00
- Employee
- 250.00
- ₱25,000 Straight 5%Premium ₱1,250.00
- Employer
- 625.00
- Employee
- 625.00
- ₱60,000 Straight 5%Premium ₱3,000.00
- Employer
- 1,500.00
- Employee
- 1,500.00
- ₱120,000 CeilingPremium ₱5,000.00
- Employer
- 2,500.00
- Employee
- 2,500.00
| Monthly Basic Salary | Bracket | Employer (2.5%) | Employee (2.5%) | Total premium (5%) |
|---|---|---|---|---|
| ₱8,000 | Floor | 250.00 | 250.00 | 500.00 |
| ₱25,000 | Straight 5% | 625.00 | 625.00 | 1,250.00 |
| ₱60,000 | Straight 5% | 1,500.00 | 1,500.00 | 3,000.00 |
| ₱120,000 | Ceiling | 2,500.00 | 2,500.00 | 5,000.00 |
Use the calculator for an exact figure at any salary.