With the rapid increasement of the elderly population in China，the number of disabled elderly population is also increasing rapidly，driving the rapid growth of long-term care demand，the establishment of long-term care insurance system is imminent，and the individual，especially the elderly population's willingness to raise funds for long-term care has become animportant research issue for the smooth implementation of the system. The study finds that the urban elderly believe that the government-led government and individual share is the main channel of long-term care insurance financing，and the government and social co-financing subsidies are the most recognized way of financing，not the way of social insurance. The main reasons for the unacceptability of commercial insurance models are economic unacceptability and lack of trust in commercial insurance companies. Therefore，in the current implementation of long-term insurance system，the government should always play a guiding role，people's trust and dependence on the government is a strong guarantee for the implementation of the new system. We should improve the basic medical insurance system. The commercial form of long-term insurance can be targeted at groups with higher income and attract people with higher quality and content of service than the general level.