While the premium rate of the Social Security System (SSS) has gone up, the Philippine Health Insurance Corporation (PhilHealth) has retained its own amount in contribution for 2025.
In its Advisory No. 2025-0002, PhilHealth said the premium rate for 2025 remains at 5.0 percent, similar to the one imposed in 2024.
“All direct contributors are hereby advised that the premium rate effective the applicable period of January 2025 remains at 5.0%, with an income floor of P10,000, and income ceiling of P100,000,” said PhilHealth.
This means that those with a basic salary of P10,000 have a premium rate of P500, while those with a monthly income of P100,000 must contribute P5,000.
The premium rate is in accordance with Section 10 of Republic Act No. 11223 or the Universal Health Care (UHC) Act.
Under the UHC Law, the PhilHealth premium contributions will increase from 2.75 percent in 2019, 3 percent in 2020, 3.5 percent in 2021, 4 percent in 2022, 4.5 percent in 2023, and 5 percent in 2024 and 2025.
The announcement from PhilHealth comes amid the implementation of higher contribution rates by SSS for 2025.
Under the Social Security Act, the SSS contribution rate will be at 15 percent by 2025, with 10 percent shouldered by the employer, while the employee pays the remaining 5 percent.