📋 2026 Guide to SSS, Pag‑IBIG & PhilHealth Contributions — Including Free Indigent PhilHealth

June 29, 2026 • BY MARK MORALES

📋 Social Security & Health Contributions Guide 2026

For Private Employees, Voluntary, Self‑Employed & Indigent Members

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🧾 1. SSS (Social Security System)

Effective Jan 2026 | Rate: 15% + EC

• Private Employee: Min MSC ₱5,000 → You pay ₱250, Employer ₱510, Total = ₱760/month
• Voluntary / Self‑Employed / OFW: Full rate → Min ₱760/month, Max ₱5,280/month
• Benefits: Sickness, Maternity, Disability, Retirement, Funeral, Death, Loans

🧾 2. Pag‑IBIG Fund (HDMF)

Rate: 2–4%

• Private Employee: >₱1,500 salary → You pay ₱200, Employer ₱200, Total = ₱400/month
• Voluntary / Self‑Employed: Min ₱200/month
• Benefits: High dividends (~5–7%), Housing Loan, Multi‑Purpose/Calamity Loan

🧾 3. PhilHealth – Regular & Indigent / Sponsored

Effective 2026 | Rate: 5%

• Regular Private Employee: Min ₱250/month, Max ₱2,500/month
• Voluntary / Self‑Employed: Min ₱500/month, Max ₱5,000/month

🆓 Indigent / Sponsored Membership (No Payment)

Who qualifies:

• ✅ Listed in DSWD Listahanan / 4Ps → automatically enrolled
• ✅ No stable income / earnings too low for basic needs
• ✅ Unemployed, homeless, or informal workers with no steady pay
• ✅ Bona‑fide resident of Estancia / Northern Iloilo; not already covered

Requirements:

• 📝 PhilHealth Member Registration Form (PMRF)
• 📄 Barangay Certificate of Indigency & Residency
• 📋 MSWDO Social Case Study / Certification[[__LINK_ICON]](https://calambacity.gov.ph/Users/Home/ViewServicesPage?createservicesId=53&f_link_type=f_linkinlinenote&flow_extra=eyJpbmxpbmVfZGlzcGxheV9wb3NpdGlvbiI6MCwiZG9jX3Bvc2l0aW9uIjowLCJkb2NfaWQiOiJlOGE2YWZjNzNjNzMwZmMzLTMxY2M1MTI3NmE4MzIxZjQifQ%3D%3D "[__LINK_ICON]")
• 🆔 Valid ID (PhilSys, Voter’s, UMID, etc.)
• 📎 4Ps ID / Household No. (if applicable)

Steps to apply:

1. Go to your Barangay Hall → request Certificate of Indigency
2. Proceed to Municipal MSWDO (Estancia) → submit papers & assessment
3. MSWDO endorses you as Sponsored / Indigent to PhilHealth
4. PhilHealth encodes your status → ₱0 monthly contribution
5. Get your MDR / PIN; coverage active immediately

Emergency / Hospital admission: Ask the Medical Social Worker for Point‑of‑Service (POS) enrollment — fast assessment, free coverage while confined

Benefits: Same as regular members — inpatient, outpatient, maternity, Z‑Packages, YAKAP & GAMOT medicines[[__LINK_ICON]](https://pia.gov.ph/features/want-free-check-ups-lab-tests-and-up-to-p20000-worth-of-medicines-heres-how/?f_link_type=f_linkinlinenote&flow_extra=eyJpbmxpbmVfZGlzcGxheV9wb3NpdGlvbiI6MCwiZG9jX3Bvc2l0aW9uIjowLCJkb2NfaWQiOiI3Y2I3MDZmYWZkNDg1MWQ2LThhMmZkNGJiZTJjMDVmM2MifQ%3D%3D "[__LINK_ICON]")

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📊 Quick Summary Table

Agency	Type	Min You Pay	Total Min	Key Feature
SSS	Private	₱250	₱760	Pension, loans, sickness
Pag‑IBIG	Private	₱200	₱400	High savings + housing
PhilHealth	Regular	₱250	₱500	Health insurance
PhilHealth	Indigent	₱0	₱0	Fully subsidized

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📚 References

• PhilHealth Circular & Sponsored Program Guidelines 2026
• DSWD Listahanan / 4Ps Enrollment Rules
• SSS Contribution Schedule 2026 (RA 11199)
• Pag‑IBIG Fund Contribution Guidelines 2026

Tags: #SSS #PagIBIG #PhilHealth #IndigentPhilHealth #SocialSecurity #BenefitsGuide #EstanciaUpdates

Short Description: Complete 2026 guide to SSS, Pag‑IBIG, and PhilHealth contributions — including how to qualify for free Indigent/Sponsored PhilHealth coverage in the Philippines.