In order to recognize and do construction of the basic health care managed model using the option idea，the paper puts forward that the government should buy a call option of the basic health services from hospitals to avoid risks from all residents in the urban and rural areas，a put option. The basic health care managed model should be built among the government，hospital and all residents. An option pricing model is used to derive the fair premium from evaluating the insurer’s potential loss and corresponding probability with statistics technology. The government transform the fair premium into the captivation for medical provider to realize the risk transfer from insurant，government and medical provider. An example analysis is exploited and redesigned in the final part.