In recent years，commercial health insurance has gradually come into everyone’s vision，and it has been included in the important goal of “healthy China”. With the help of the development of the commercial health insurance industry，the main body of China’s commercial health insurance market has increased one after another，and young consumers are full of confidence in commercial health insurance. In 2020，China’s health insurance revenue has increased steadily. Policies ensure the development of the commercial health insurance market，pay attention to the operation mechanism of the commercial health insurance market，and China’s commercial health insurance is becoming more and more important，“Health culture” Usher in an important period of development. Combined with the experience of Japan and other countries，we need to find an effective path to better develop health culture：balance the popularity of health education in various regions，provide consumers with more diversified commercial health insurance products，expand the function of commercial health insurance，improve the health service level provided to residents，and cultivate a stable commercial health insurance market environment.