SSS & PhilHealth guide 2026

SSS contribution table 2026 (employed & self‑employed)

Monthly salary credit (MSC) ranges from ₱4,000 to ₱30,000. Total contribution = 14% of MSC (employer 9.5%, employee 4.5%). Self‑employed / OFW pay the full 14%.

Monthly salary bracket	MSC	EE share (4.5%)	ER share (9.5%)	Total
₱4,000 – ₱4,249.99	₱4,000	₱180	₱380	₱560
₱10,000 – ₱10,249.99	₱10,000	₱450	₱950	₱1,400
₱20,000 – ₱20,249.99	₱20,000	₱900	₱1,900	₱2,800
₱29,750 – ₱30,000	₱30,000	₱1,350	₱2,850	₱4,200

OFWs pay the total 14% based on their declared monthly income (minimum MSC ₱4,000).

PhilHealth premium 2026

Premium rate remains at 5% of monthly basic salary. Salary floor = ₱10,000; ceiling = ₱100,000. For employed: 50% employer / 50% employee. Self‑earning / OFW pay full 5%.

Monthly basic salary	Premium (5%)	Employee share (50%)	Employer share (50%)
₱10,000 (floor)	₱500	₱250	₱250
₱25,000	₱1,250	₱625	₱625
₱50,000	₱2,500	₱1,250	₱1,250
₱100,000 (ceiling)	₱5,000	₱2,500	₱2,500

        
        OFW & voluntary: Pay 5% of declared monthly income (minimum ₱10,000 → ₱500/month). Payment via GCash, PayMaya, or PhilHealth branch.
      

Mga pangunahing benepisyo

SSS maternity

₱70,000 – ₱98,000 para sa normal delivery (2026 rates). 105 days paid leave, additional 30 days for solo parents.

SSS sickness

Daily cash allowance (90% ng average daily salary) kung ma‑ospital o magkasakit, hanggang 120 days sa isang taon.

PhilHealth inpatient

Allocation depende sa room type: ₱2,500 – ₱5,500/araw (at kaso). Z benefits para sa cancer, kidney transplant.

Konsultasyon package

PhilHealth outpatient package: 21 free check‑ups per year sa accredited Konsulta providers.

Paano mag‑rehistro at magbayad (2026)

SSS

Online: My.SSS portal (employer/self-employed)
Over‑the‑counter: Bayad Center, SM, Robinsons
OFW: i‐remit through OFW‑e o partner banks

PhilHealth

Register via PhilHealth Portal (PRN)
Payment: GCash (PhilHealth biller), Bayad, partnered banks
OFW: quarterly / annual payment sa PhilHealth branch o online

         Reminder: Late payments incur penalties? For SSS, penalty of 2% per month. PhilHealth no penalty but coverage interrupted. Always pay before due.
      

Madalas itanong (FAQ)

Q: Kailangan bang mag‑contribute kahit walang trabaho?
A: Opo, kung gusto mo ng continuous coverage. Pwede kang mag‑voluntary / self‑employed.

Q: Magkano ang hulog ng OFW sa SSS?
A: 14% ng declared MSC. Pili ka ng MSC mula ₱4,000 hanggang ₱30,000. Halimbawa: ₱10,000 MSC = ₱1,400/month.

Q: Paano makuha ang PhilHealth eligibility para sa confinement?
A: Dapat may nabayaran kang hindi bababa sa 3 buwan sa loob ng 6 na buwan bago ang admission.

Q: Saan makikita ang updated contribution table?
A: Sa SSS at PhilHealth website, o sa TotalCalcHub guides na updated kada taon.

SSS & PhilHealth 2026