Last May (2022), government employees’ PhilHealth contribution increased by 4% (for those earning a monthly basic salary of more than Php 10,000 but less than Php 80,000). This month (June), it’s private employees’ turn to adjust their budget as PhilHealth announced the increase in contributions. Whew!
Below are the salient points of the announcement:
- The new monthly premium rate collection will be at 4%
- This means that those earning Php 10,000 and below, a Php 400 monthly premium will be collected.
- The contribution will range from Php 400 to Php 3,200 for those with a monthly basic salary of Php 10,000.01 to Php 79,999.99.
- For those earning Php 80,000 and above, a flat rate of Php 3,200 will be collected.
But wait, there’s more!
Under the Universal Health Care law, the premium rate increase shall be implemented in increments of 0.5% every year until it reaches 5%. The increases began in 2020; PhilHealth contribution then was at 3%. However, due to the pandemic, PhilHealth deferred the January 2021 increase.
Now that we have adjusted to the new normal and most (if not all) employees are again working, PhilHealth announced that the increase in contributions starting June (2022) would be retroactive from January 2022.
This means that an additional 1% premium will be included in the increased contribution that will be deducted from the employee’s salary beginning this month.
If the employee has a basic salary of Php 25,000, the following formula will be used to compute his PhilHealth premium rate:
Basic Salary x 4% (0.04) = Premium Rate
Php 25,000 x 0.04 = Php 1,000.00 (total monthly contribution) / 2 = Php 500
The total monthly contribution is divided between the employee and the employer.
How about for self-paying members?
The amended premium rate of 4% shall take effect for contribution payment for the applicable month of June 2022. If the self-paying member has previously paid his or her contribution at the 3% rate, a premium rate difference of 1% must also be settled until December 31, 2022, no interest.
Employers of house helpers must shoulder the full amount as prescribed in the Kasambahay Law.