PhilHealth 2025 Premium Contribution Updates Announced

The Philippine Health Insurance Corporation (PhilHealth) has officially released its premium contribution schedule for calendar year 2025, as prescribed under Republic Act No. 11223, also known as the Universal Health Care (UHC) Act.

This update directly affects all Direct Contributors, including employees, self-employed individuals, and professionals, with key changes to premium rates and income ceilings.

 
2025 Premium Rate and Income Ceiling

Starting January 2025, the premium contribution rate remains at 5%, as outlined in the UHC Act.

However, the updated contribution structure introduces a minimum income floor of ₱10,000 and an income ceiling of ₱100,000 for the computation of premiums.

Here’s how it breaks down:

  • Monthly Basic Salary of ₱10,000: Premium contribution is set at ₱500.
  • Monthly Basic Salary from ₱10,000.01 to ₱99,999.99: Contributions are computed at 5% of the monthly income.
  • Monthly Basic Salary of ₱100,000 or higher: Premium contribution is capped at ₱5,000.

The 5% premium rate, along with the income ceiling, allows for a progressive contribution system where higher earners contribute proportionally more to support the universal health care system.

How Are Premium Contributions Computed?

PhilHealth emphasizes the use of the Monthly Basic Salary (MBS) as the basis for calculating contributions.

The MBS is a fixed rate agreed upon between employers and employees, excluding additional earnings such as commissions, overtime pay, allowances, and bonuses.

These exclusions maintain a standardized computation process and help avoid discrepancies during remittance.

For employers, it is important to follow these guidelines to remain compliant with PhilHealth’s regulations.

Failure to remit the correct amount could lead to penalties or delays in employees accessing their benefits.

Why the Update Matters

The updated contribution table is part of PhilHealth’s efforts to strengthen the universal health care system and expand access to health benefits.

By maintaining a progressive contribution rate, the system strives to provide equitable health care coverage to all Filipinos, regardless of income.

PhilHealth’s President and CEO, Emmanuel R. Ledesma Jr., highlighted the importance of these contributions in building the health care fund, supporting all members to avail of benefits such as inpatient and outpatient care, consultations, and preventive services.

Guidelines for Employers and Direct Contributors

PhilHealth advises all employers and Direct Contributors to strictly adhere to the updated schedule.

Here are key reminders:

  1. For Employers:
    Use the Monthly Basic Salary (MBS) to compute contributions.

Confirm that all deductions are accurately reflected in employees’ payslips and promptly remit contributions to PhilHealth.

  1. For Self-Employed and Professionals:
    Calculate your contributions based on your declared income.

If your monthly income exceeds ₱100,000, the premium is capped at ₱5,000.

  1. For Overseas Filipino Workers (OFWs):
    While this advisory focuses on Direct Contributors, OFWs should consult their local PhilHealth representatives for specific guidelines tailored to their employment and location.
  2. For Employees:
    Verify with your employer that the correct contributions are being remitted on your behalf.

Keeping track of your contributions safeguards uninterrupted access to PhilHealth benefits.

How to Seek Assistance

For questions or concerns regarding the updated premium contribution schedule, PhilHealth encourages members to visit their nearest PhilHealth Local Health Insurance Office or reach out to an assigned PhilHealth Account Information Management Specialist (PAIMS).

These offices can provide personalized assistance for both employers and individual contributors.

A Step Towards Stronger Universal Health Care

This 2025 update reflects PhilHealth’s commitment to providing sustainable health care solutions for all Filipinos.

By adhering to the updated guidelines, members not only contribute to the national health care fund but also secure access to dependable health services for themselves and their families.

Whether you are an employer ensuring compliance, a self-employed professional managing your premiums, or an individual contributor seeking clarity, staying informed about the 2025 contribution updates is vital.

As the Universal Health Care Act continues to shape the nation’s health care landscape, these contributions are key to making health care more accessible for all.

Stay tuned for more updates from PhilHealth to keep yourself aligned and well-informed.

For additional details, refer to PhilHealth Circular No. 2025-0002 available on their official website or visit your local PhilHealth office.

Video: PhilHealth increases members’ benefits in 2025 | Brunch

PhilHealth has expanded over 9,000 benefit packages for 2025.

This expansion comes despite the absence of government subsidy.

The organization aims to provide better healthcare services to its members.

PhilHealth’s commitment to improving healthcare access remains strong.

Members can look forward to enhanced benefits in the coming year.

 

error: Content is protected !!