Over the years, the government aims to aid its people by giving them assistance in every aspect possible. Tax for the goods; Pag-IBIG Home Developmental Mutual Fund (HDMF) for housing and real estate concerns, and lastly, PhilHealth for health and well-being. All of these mentioned are organizations that are intended to help us in our journey with life. Moreover, all things we can do as members are supposed to assist us in every way possible.

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PhilHealth has been with us for as far as millions of us can remember. Adjustments were made, people were replaced, and a lot has changed in the years before. But recent changes were made and this change is so far one of the most impactful of all. Why? Because this change concerns everyone who is currently employed.

This new revision covers all members and employers under the “employed” sector program and all others concerned. 

The subject of this revision is: Adjustment in the Premium Contributions of the Employed Sector to Sustain National the Health Insurance Program. 

As per Republic Act No. 7875, as amended by RA 10606, also known as the National Health Insurance Act of 2013, “It is the policy of the State to adopt an integrated and comprehensive approach  to  health development which shall endeavor to make essential goods, health and other social services available to all the people at affordable cost and to provide free medical care to paupers. Towards this end, the State shall provide comprehensive health care services to all Filipinos through a socialized health insurance program that will priofitize the health care needs of the underprivileged, sick, elderly, persons with disabilities (PWDS), women and children and provide free health care services to indigents.”

With this new objective, its main reason for the adjustment is to continuously help improve the benefits that the organization gives to its members. Furthermore, since the health demand is growing, the capacity of government aid in health should be perpendicular to it as well.

This circular covers all employed members including:

  • Formal Economy including (Kasambahays, Family Drivers, and Sea-based Overseas Filipino Workers)
  • Employers and members in both the government and private sectors

Revised PhilHealth Premium Contributions

The circular is effective starting January 2018 onwards. The monthly premium contribution should just be at the rate of 2.75% taken straight from the monthly basic salary; it has a floor of Php10, 000.00 and a ceiling of Php40, 000.00 still sharing by the employee and the employer.

The computation for this adjustment after the effectivity of the removal of salary brackets should be:

Monthly Basic Salary x 2.75% Monthly Premium Personal Share Employer  Share
Php10, 000.00 and below Php275.00 Php137.50 Php137.50
Php10, 000.01 to  Php39, 999.99 Php 275.02 to Php1, 099.99 Php137.51 to Php549.99 Php137.51 to Php549.99
Php40, 000.00 and above Php1, 100.00 Php550.00 Php550.00

In line with RA 10361, the kasambahays’ premium contributions should be shouldered by the household employer. However, if the kasambahay receives a monthly salary of Php5, 000.00 and above, he/she should be responsible for her personal premium contributions. Thus, the kasambahay should give an equal amount of her proportional share.

Although it is clearly stated that this circular will be effective in January 2018, it’s also indicated that it’ll be effective after fifteen (15) days after publication in a newspaper of general circulation. Moreover, it shall be deposited thereafter with the Office of National Administrative Register (ONAR) of the University of the Philippines Law Center.

With the changes, thinking of it long-term is actually the key. Although you may notice that these changes can have a huge impact on your monthly salaries, it being an investment is actually a healthy way of saving for your health.

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Source: PhilHealth

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