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  <xs:element id="phr_NonCashActivityRelatedToCreditCardReceivablesAndDeferredPurchasePrice" abstract="false" name="NonCashActivityRelatedToCreditCardReceivablesAndDeferredPurchasePrice" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_ExchangeOfROUAssetForPropertyAndEquipment" abstract="false" name="ExchangeOfROUAssetForPropertyAndEquipment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_CompositionOfCertainFinancialStatementsAbstract" abstract="true" name="CompositionOfCertainFinancialStatementsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="phr_BridgeCreditAgreementMember" abstract="true" name="BridgeCreditAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_SecondCapitalOneCreditFacilityMember" abstract="true" name="SecondCapitalOneCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_EstimatedNumberOfMonthsTheCompanyHaveSufficientToFundItsOperations" abstract="false" name="EstimatedNumberOfMonthsTheCompanyHaveSufficientToFundItsOperations" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="phr_TwoEntitiesMember" abstract="true" name="TwoEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_OneEntityMember" abstract="true" name="OneEntityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_ContractWithCustomerPaymentPeriod" abstract="false" name="ContractWithCustomerPaymentPeriod" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="phr_SettlementAssetsSettlementPeriod" abstract="false" name="SettlementAssetsSettlementPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="phr_NumberOfThirdPartyPaymentProcessors" abstract="false" name="NumberOfThirdPartyPaymentProcessors" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="phr_AccruedProcessingFeeCurrent" abstract="false" name="AccruedProcessingFeeCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_AcquisitionRelatedLiabilitiesCurrent" abstract="false" name="AcquisitionRelatedLiabilitiesCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_AccruedInformationTechnologyServicesExpensesCurrent" abstract="false" name="AccruedInformationTechnologyServicesExpensesCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_PhreesiaPadsAndArrivalsStationsMember" abstract="true" name="PhreesiaPadsAndArrivalsStationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_ComputerSoftwareMember" abstract="true" name="ComputerSoftwareMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_HardwareDevelopmentMember" abstract="true" name="HardwareDevelopmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_CompositionOfCertainFinancialStatementsTable" abstract="true" name="CompositionOfCertainFinancialStatementsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="phr_AccessOneMember" abstract="true" name="AccessOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_CompositionOfCertainFinancialStatementsLineItems" abstract="true" name="CompositionOfCertainFinancialStatementsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="phr_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiabilities" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_FiniteLivedIntangibleAssetExpectedAmortizationYearFourAndAfter" abstract="false" name="FiniteLivedIntangibleAssetExpectedAmortizationYearFourAndAfter" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_AccountsReceivableAllowanceForCreditLossWriteoffAndAdjustments" abstract="false" name="AccountsReceivableAllowanceForCreditLossWriteoffAndAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_PrepaidSoftwareAndBusinessSystemsCurrent" abstract="false" name="PrepaidSoftwareAndBusinessSystemsCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_PrepaidDataCenterExpensesCurrent" abstract="false" name="PrepaidDataCenterExpensesCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_OtherPrepaidExpensesAndOtherCurrentAssets" abstract="false" name="OtherPrepaidExpensesAndOtherCurrentAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_SubscriptionAndRelatedServicesMember" abstract="true" name="SubscriptionAndRelatedServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_CapitalizedContractCostAmortizationEstimatedPeriod" abstract="false" name="CapitalizedContractCostAmortizationEstimatedPeriod" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="phr_ContractWithCustomerAssetRollForward" abstract="true" name="ContractWithCustomerAssetRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="phr_ContractWithCustomerLiabilityRollForward" abstract="true" name="ContractWithCustomerLiabilityRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="phr_ContractWithCustomerLiabilityOther" abstract="false" name="ContractWithCustomerLiabilityOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_CapitalizedContractCostRollForward" abstract="true" name="CapitalizedContractCostRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="phr_DeferredContractAcquisitionCosts" abstract="false" name="DeferredContractAcquisitionCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_FinancingArrangementsMember" abstract="true" name="FinancingArrangementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_AccruedInterestAndPaymentsMember" abstract="true" name="AccruedInterestAndPaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_SeniorSecuredAssetBasedRevolvingCreditFacilityMember" abstract="true" name="SeniorSecuredAssetBasedRevolvingCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_NewCapitalOneCreditFacilityMember" abstract="true" name="NewCapitalOneCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_LineOfCreditFacilitySwinglineSublimit" abstract="false" name="LineOfCreditFacilitySwinglineSublimit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_LineOfCreditFacilityLetterOfCreditSublimit" abstract="false" name="LineOfCreditFacilityLetterOfCreditSublimit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_LongTermDebtAndFinanceLeaseObligationsFiscalYearMaturityAbstract" abstract="true" name="LongTermDebtAndFinanceLeaseObligationsFiscalYearMaturityAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="phr_LongTermDebtAndFinanceLeaseObligationsRepaymentsOfPrincipalInRemainderOfFiscalYear" abstract="false" name="LongTermDebtAndFinanceLeaseObligationsRepaymentsOfPrincipalInRemainderOfFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_LongTermDebtAndFinanceLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearOne" abstract="false" name="LongTermDebtAndFinanceLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearOne" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_LongTermDebtAndFinanceLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearTwo" abstract="false" name="LongTermDebtAndFinanceLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearTwo" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_LongTermDebtAndFinanceLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearThree" abstract="false" name="LongTermDebtAndFinanceLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearThree" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_LongTermDebtAndFinanceLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearFour" abstract="false" name="LongTermDebtAndFinanceLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_LongTermDebtAndFinanceLeaseObligationsMaturitiesRepaymentsOfPrincipalInAfterYearFour" abstract="false" name="LongTermDebtAndFinanceLeaseObligationsMaturitiesRepaymentsOfPrincipalInAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_LongTermDebtAndLeaseObligationsGrossIncludingOriginalIssueDiscount" abstract="false" name="LongTermDebtAndLeaseObligationsGrossIncludingOriginalIssueDiscount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="phr_LineOfCreditFacilityMaturityRemainderOfFiscalYear" abstract="false" name="LineOfCreditFacilityMaturityRemainderOfFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="phr_LineOfCreditFacilityMaturityYearTwo" abstract="false" name="LineOfCreditFacilityMaturityYearTwo" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_LineOfCreditFacilityMaturityYearThree" abstract="false" name="LineOfCreditFacilityMaturityYearThree" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_LineOfCreditFacilityMaturityYearFour" abstract="false" name="LineOfCreditFacilityMaturityYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_LineOfCreditFacilityMaturityAfterYearFour" abstract="false" name="LineOfCreditFacilityMaturityAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_FinanceLeaseLiabilityPaymentsRemainderOfFiscalYearDiscountedObligation" abstract="false" name="FinanceLeaseLiabilityPaymentsRemainderOfFiscalYearDiscountedObligation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_FinanceLeaseLiabilityPaymentsDueYearOneDiscountedObligation" abstract="false" name="FinanceLeaseLiabilityPaymentsDueYearOneDiscountedObligation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_FinanceLeaseLiabilityPaymentsDueYearTwoDiscountedObligation" abstract="false" name="FinanceLeaseLiabilityPaymentsDueYearTwoDiscountedObligation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_FinanceLeaseLiabilityPaymentsDueYearThreeDiscountedObligation" abstract="false" name="FinanceLeaseLiabilityPaymentsDueYearThreeDiscountedObligation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_FinanceLeaseLiabilityPaymentsDueYearFourDiscountedObligation" abstract="false" name="FinanceLeaseLiabilityPaymentsDueYearFourDiscountedObligation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_FinanceLeaseLiabilityPaymentsDueAfterYearFourDiscountedObligation" abstract="false" name="FinanceLeaseLiabilityPaymentsDueAfterYearFourDiscountedObligation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="phr_StockRepurchaseProgramMember" abstract="true" name="StockRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_TwoThousandEighteenStockOptionPlanMember" abstract="true" name="TwoThousandEighteenStockOptionPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_TwoThousandAndNineteenStockOptionAndIncentivePlanMember" abstract="true" name="TwoThousandAndNineteenStockOptionAndIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_TwoThousandAndTwentyThreeInducementPlanMember" abstract="true" name="TwoThousandAndTwentyThreeInducementPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_ShareBasedPaymentArrangementTrancheFourMember" abstract="true" name="ShareBasedPaymentArrangementTrancheFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_EmployeesOtherThanNamedExecutiveOfficersMember" abstract="true" name="EmployeesOtherThanNamedExecutiveOfficersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_PercentageIncreaseInNumberOfSharesReservedForFutureIssuance" abstract="false" name="PercentageIncreaseInNumberOfSharesReservedForFutureIssuance" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="phr_EmployeeStockPurchasePlanNumberOfOfferingPeriodsPerYear" abstract="false" name="EmployeeStockPurchasePlanNumberOfOfferingPeriodsPerYear" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="phr_ESPPEmployeeCommonStockPurchaseDiscountPercentOfDiscount" abstract="false" name="ESPPEmployeeCommonStockPurchaseDiscountPercentOfDiscount" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="phr_ShareBasedPaymentArrangementIncomeTaxBenefit" abstract="false" name="ShareBasedPaymentArrangementIncomeTaxBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_ShareBasedPaymentArrangementModificationsReductionOfStockCompensationExpense" abstract="false" name="ShareBasedPaymentArrangementModificationsReductionOfStockCompensationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsPercentageQuarterly" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsPercentageQuarterly" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="phr_ShareBasedCompensationArrangementByShareBasedPaymentAwardTargetSharesEarnedMinimumPerformanceTargetPercentage" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardTargetSharesEarnedMinimumPerformanceTargetPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="phr_ShareBasedCompensationArrangementByShareBasedPaymentAwardMaximumSharesEarnedMinimumPerformanceTargetPercentage" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardMaximumSharesEarnedMinimumPerformanceTargetPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="phr_ShareBasedCompensationArrangementByShareBasedPaymentAwardBonusSettlementInSharesPercentage" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardBonusSettlementInSharesPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="phr_LiabilityAwardsMember" abstract="true" name="LiabilityAwardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_ShareBasedPaymentArrangementExpensedToAdditionalPaidInCapital" abstract="false" name="ShareBasedPaymentArrangementExpensedToAdditionalPaidInCapital" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_ShareBasedPaymentArrangementAccruedExpenses" abstract="false" name="ShareBasedPaymentArrangementAccruedExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_CardholderReceivablesFairValueDisclosure" abstract="false" name="CardholderReceivablesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_DeferredPurchasePriceReceivableFairValueDisclosure" abstract="false" name="DeferredPurchasePriceReceivableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_DueToHealthCareProvidersFairValueDisclosure" abstract="false" name="DueToHealthCareProvidersFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_UnpaidPrincipalBalanceOfCardHolderReceivables" abstract="false" name="UnpaidPrincipalBalanceOfCardHolderReceivables" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_UnpaidPrincipalBalanceDueToHealthcareProviders" abstract="false" name="UnpaidPrincipalBalanceDueToHealthcareProviders" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="phr_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetCashCollections" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetCashCollections" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_DueToHealthCareProvidersMember" abstract="true" name="DueToHealthCareProvidersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityCashRemittancesToHealthCareProviders" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityCashRemittancesToHealthCareProviders" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_CardHolderReceivablesUnobservableInputDiscountRate" abstract="false" name="CardHolderReceivablesUnobservableInputDiscountRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="phr_CardHolderReceivablesUnobservableInputDefaultRate" abstract="false" name="CardHolderReceivablesUnobservableInputDefaultRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="phr_DeferredPurchasePriceReceivableUnobservableInputDiscountRate" abstract="false" name="DeferredPurchasePriceReceivableUnobservableInputDiscountRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="phr_DeferredPurchasePriceReceivableUnobservableInputFundedRepaymentRate" abstract="false" name="DeferredPurchasePriceReceivableUnobservableInputFundedRepaymentRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="phr_DueToHealthCareProvidersUnobservableInputDiscountRate" abstract="false" name="DueToHealthCareProvidersUnobservableInputDiscountRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="phr_DueToHealthCareProvidersUnobservableInputDefaultRate" abstract="false" name="DueToHealthCareProvidersUnobservableInputDefaultRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="phr_RightOfUseAssetObtainedInExchangeForLeaseLiability" abstract="false" name="RightOfUseAssetObtainedInExchangeForLeaseLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_LessorOperatingNumberOfOptionsToExtend" abstract="false" name="LessorOperatingNumberOfOptionsToExtend" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="phr_OperatingLeaseCostExcludingVariableLeaseCost" abstract="false" name="OperatingLeaseCostExcludingVariableLeaseCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_FinanceLeaseCost" abstract="false" name="FinanceLeaseCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_FinanceLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="FinanceLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_CashPaidForMeasurementOfLeaseLiabilitiesAbstract" abstract="true" name="CashPaidForMeasurementOfLeaseLiabilitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="phr_LossContingencyNumberOfLawsuitsFiled" abstract="false" name="LossContingencyNumberOfLawsuitsFiled" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="phr_EliminationsAndReconcilingItemsMember" abstract="true" name="EliminationsAndReconcilingItemsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_TechnologySolutionsSegmentMember" abstract="true" name="TechnologySolutionsSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_ThirdPartyNonLaborOperatingExpenses" abstract="false" name="ThirdPartyNonLaborOperatingExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_CostsAndExpensesMember" abstract="true" name="CostsAndExpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_IncomeTaxExpenseBenefitMember" abstract="true" name="IncomeTaxExpenseBenefitMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCardholderReceivables" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCardholderReceivables" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phr_CreditAndSecuritizationAgreementsMember" abstract="true" name="CreditAndSecuritizationAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_ReceivablesPurchaseAgreementMember" abstract="true" name="ReceivablesPurchaseAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleProgramTypeAxis" abstract="true" name="SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleProgramTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="phr_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleProgramTypeDomain" abstract="true" name="SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleProgramTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_SecuritizationProgramMember" abstract="true" name="SecuritizationProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phr_EligibleReceivablesProviderRatingsPercentage" abstract="false" name="EligibleReceivablesProviderRatingsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="phr_ReserveCashAccountPercentage" abstract="false" name="ReserveCashAccountPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="phr_DebtInstrumentCovenantMinimumLiquidity" abstract="false" name="DebtInstrumentCovenantMinimumLiquidity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
