Yes, with a per capita expenditure of $700 it's safe to say they aren't covering any serious illness. "Our costs are low because we have a healthy lifestyle" -- more like the costs are low because no one has any serious illness like cancer.
If you read their FAQ, they essentially cover up to $5k annually in expenses, and expenses beyond that debit from a larger community-organization catastrophic fund maintained for such purposes.
They don't reveal the real per capita expenditure for members, they took their total costs and divided by the estimated population (73), of which only a portion receive any benefit.
