Starting July 2025, PhilHealth will implement updated contribution rates as part of its gradual premium adjustment under the Universal Health Care (UHC) Law. These changes aim to enhance service delivery, expand coverage, and ensure sufficient funding for members’ medical needs. Whether you’re employed, self-employed, or a voluntary contributor, knowing your new monthly dues is essential.
What’s Changing in the July 2025 Contribution Schedule?
Effective July 1, 2025, the premium rate will increase from 4.5% to 5.0% of an employee’s monthly basic salary. The income floor remains at ₱10,000, while the ceiling remains at ₱80,000. Contributions are equally shared between the employee and the employer. This means those earning ₱30,000 will now contribute ₱1,500 monthly—₱750 from the employee and ₱750 from the employer. For voluntary or self-employed members, the entire amount must be paid in full by the member.
How Much Will You Pay Based on Income?
To help you understand the amount you’ll need to contribute, here’s a breakdown of the new monthly payments based on income level:
| Monthly Income | Rate | Employee Share | Employer Share | Total Monthly Contribution |
|---|---|---|---|---|
| ₱10,000 | 5.0% | ₱250 | ₱250 | ₱500 |
| ₱20,000 | 5.0% | ₱500 | ₱500 | ₱1,000 |
| ₱30,000 | 5.0% | ₱750 | ₱750 | ₱1,500 |
| ₱50,000 | 5.0% | ₱1,250 | ₱1,250 | ₱2,500 |
| ₱80,000 (max cap) | 5.0% | ₱2,000 | ₱2,000 | ₱4,000 |
Self-paying members and OFWs will pay the full amount based on their declared income.
Why the Contribution Hike Matters
The premium adjustment is part of PhilHealth’s commitment to sustaining long-term healthcare coverage for all Filipinos. By gradually increasing contributions, PhilHealth can provide broader access to benefits such as outpatient services, COVID-related treatments, dialysis, and critical illness support. This adjustment also helps fund benefit expansions under the Universal Health Care Law, especially for sponsored and indigent members.
The July 2025 contribution increase ensures that PhilHealth can continue offering expanded healthcare coverage to all members. While the 0.5% hike may seem small, it contributes significantly to sustaining essential health services for millions of Filipinos. Whether you’re employed, self-employed, or an OFW, reviewing your income bracket and adjusting your payment accordingly will prevent penalties and lapses in coverage.
FAQ’s:
1. Do self-employed members also need to follow the 5% rate?
Yes. They will pay the full 5% based on their declared monthly income without employer sharing.
2. Is the maximum contribution limited even if my salary exceeds ₱80,000?
Yes. The ceiling is ₱80,000, so contributions are capped at ₱4,000 monthly.
3. How will OFWs pay their updated contributions?
OFWs can pay through partner remittance centers or PhilHealth-accredited payment portals abroad.
4. Will there be penalties for late or underpaid contributions?
Yes. PhilHealth may impose interest or penalties for late remittances, especially from employers.
5. Where can I view or verify my contribution records?
Members can log in to their PhilHealth Member Portal online to check contributions and payment history.
