This study focuses on the mutual relationship of elderly health care utilization and purchase of commercial insurance. Investigate the impact of demographic, health status and medical care utilization on purchasing of commercial insurance. This study used secondary data analysis to analyze the data from "over the age of 65 personal questionnaire" section in the "2005 National Health Interview Survey and Drug Abuse" which published by National Institutes of Health completed in 2005. The 331subjects in this study were the subjects who purchased the commercial insurance in the 2727 subjects of the original data. The research tool "purchase of commercial insurance" is based on the question" what kind of business insurance? " in the "insurance utilization" section of the questionnaire. Independent variables are demographic, chronic disease status, ADL and IADL status , health care utilization. The correlation analysis is running after doing the number of distribution of each independent variable. Then use the variables achieved the statistical signifant to run the logistic regression model to investigate the correlative variables of purchasing commercial insurance. The result reveals that "Age", " whether has used the western medicine outpatient care in the past month" are correlated with the tendency of purchasing commercial insurance . It is found in this study that the subjects who are lower age, more use the western medicine outpatient care are more likely to purchase commercial insurance. Conclusion : The result reveals that, in Taiwan, the elder people over 65 years old who has purchased commercial insurance on average suffer from two kinds of chronic diseases ; an average 0.2 ADL disability ; average IADL disability 0.7 . The health status are fairly good . Elder age will increase the tendency of purchasing commercial insurance is lower. The tendency of purchasing accident insurance is higher on the subjects who use are more common in using the western medicine outpatient care. The rest kinds of health care utilization are not related with the tendency of purchasing commercial insurance.
