In China a basic framework of the Urban Employees' Basic Health Insurance System has been set up. However,as the reform in both economic and household registering systems deepens the existing health insurance system reveals its weakness which includes narrow coverage and low security.That is the allocated fund together with personal accounts is not enough to meet the need.This paper is to explore the problems rooted in the present system.And based on the experiences from the developed counties as well as the status quo in China a program models for establishing a multi-leveled health insurance system in which social insurance operating in cooperation with commercial insurance is designed.And the relevant linking-up policies are recommended.