OBJECTIVES: The aim of this study is to provide evidences for the reform of personal account of China’s urban employees’ basic medical insurance (UEBMI). METHODS: A questionnaire was designed to collect the information about social-demographic characteristics, health status and behaviors of the insured citizens. Additionally, a series of questions regarding the familiarities, usages and extra demands of the personal account of UEBMI were also included. RESULTS: A total of 635 questionnaires were completed by the people from Guizhou, and 538 of them were valid for further analysis. The personal accounts were rarely or never used by 53.50% of respondents, and 9.90% of respondents even didn’t activate the account.  Being healthy is the main reason for these results. However, the respondents who aged more than 65 are more likely to use up the personal account every month. About 30% of respondents didn’t know that part of funds in the personal account actually come from their own incomes. Meanwhile, the same proportion of respondents didn’t know exactly about when to use the account. 84.73% of respondents expected that the fund in the account could be used to improve the insurance coverage not only for the insured people but also for their families. 75.61% of respondents hope that annual physical examinations could be paid by this account. Respondents with different age or incomes had significant different preferences for the insurance coverage of account (P<0.05). CONCLUSIONS: On the one hand, there were lots of funds saving in the account for the healthy people; on the other hand, no more funding was available for the other people, especially for the elder people. More fairness, higher insurance coverage, and family-based insurance should be the directions to further the personal account of UEBMI reform.