This paper attempts to explain the policy-making that the percentage of insurance premiums bore employers and employees of the Universal Health Insurance plan based on self- interested concerns from policy stakeholders. Taking assumptions underlying public choice theory, this paper explores three propositions: the votes affect the decision-making of the major policy maker, policy is usually a quasi-public goods-policy favors the strong who they are employers, and policy is usually not the rational outcome out of these policy-making processes. The observation confirms those propositions.