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PhilHealth premium calculator (OFW)

See your 2026 PhilHealth premium at 5% of income, with the ₱10,000 floor and ₱100,000 ceiling applied.

Member type

Your premium per year

₱18,000

5% of ₱30,000 = ₱1,500 a month. ₱18,000 a year.

₱500minimum per month (₱10,000 income)
₱5,000maximum per month (₱100,000 income)
₱18,000per year, if paid annually
5%rate since 2024, unchanged for 2026

For land-based OFWs

  • Since 2020, paying is voluntary: no OEC or OFW Pass is withheld for unpaid premiums. Coverage for you and your dependents in the Philippines depends on staying paid up.
  • You can pay monthly, quarterly, semi-annually, or for the whole year in advance through the PhilHealth Member Portal, GCash, Maya, or accredited collecting agents abroad.
  • Premiums are based on your declared income. If you have no proof of income, PhilHealth may assess you at the ceiling, so declare it.
  • Sea-based OFWs are treated as employees: the manning agency pays half.

Is it worth paying?

One hospital confinement in the Philippines can cost more than ten years of premiums, and your qualified dependents (spouse, children under 21, parents over 60) are covered on your membership. If your family is at home, the answer is usually yes.

The other two

Use the SSS calculator for your pension contribution and the MP2 calculator for Pag-IBIG savings. Together with PhilHealth these are the three government accounts every OFW should keep alive.

Based on the Universal Health Care Act premium schedule: 5% of monthly basic income, floor ₱10,000, ceiling ₱100,000, in effect since 2024. Check the PhilHealth portal for your posted contributions and any new circular.

How the PhilHealth premium is set

Under the Universal Health Care Act the premium climbed half a point a year until it reached 5% of monthly basic income in 2024, where it stays for 2026. The income used is floored at ₱10,000 and capped at ₱100,000, so the premium is never below ₱500 or above ₱5,000 a month. Employees split it with their employer; direct contributors such as self-earning members and land-based OFWs pay the whole amount.

Why OFWs got a "voluntary" rule

When the salary-based rate replaced the old fixed ₱2,400 a year in 2020, the backlash led to a presidential directive making OFW premium payment voluntary, and PhilHealth stopped tying it to exit clearance. Voluntary does not mean free: benefits for you and your dependents still depend on being an active, paid-up member when a claim is filed.

Declare your real income

The premium follows declared income, and members without acceptable proof can be assessed at the ceiling. A contract or payslip is enough. If you earn in a foreign currency, convert with the currency selector above; PhilHealth uses the peso value.

Questions

Can I pay for the whole year at once?
Yes. Direct contributors including OFWs may pay monthly, quarterly, semi-annually, or annually. Paying ahead avoids lapses that can block a claim.
Who counts as my dependent?
Your legal spouse who is not a member, children below 21 who are unmarried and unemployed (any age if disabled), and parents aged 60 and above who are not members. Register them in your PhilHealth record so they are covered at the hospital.
Does missing a few months cancel my membership?
Membership is lifetime, but benefits require sufficient paid premiums before the confinement. If you have lapsed, pay the current period and check the portal for what is needed to restore eligibility.

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