can see online who your portion went to. Makes it more sharing. Something like $300 went to Jon & Abigail. $100 went to Tim R.
Anything between 100K & 1MM are handled via an insurance policy the healthshare takes out. (Kind of like midcourt basketball shots! 🙂
I think there is a $75 a year "administration" fee, but I don't recall at the moment. Also a $125 application fee. No physical was required to join either.