Objective To analyze the main influencing factors of China’’s commercial health insurance demand and promotes the development of China’’s health service industry. Methods Based on the panel data of 31 provinces and cities in China from 2009 to 2015, the model of cross-sectional fixed effect was constructed to analyze the main influencing factors of China’’s commercial health insurance demand. Result and Conclusion More significant influences on commercial health insurance demand factors are urban per capita disposable income, per capita urban employee basic medical insurance fund income, elderly population bring-up ratio and per capita outpatient expenses. For the basic medical insurance of urban workers , the city post guarantee has a significant effect on the demand of commercial health insurance; For the basic medical insurance of urban residents, the income impact is more prominent. The proportion of graduates of general institutions of higher learning has few influence commercial health insurance.