East Wind, like most members of the FEC [0], has a joint self-insurance pool for catastrophic healthcare costs. This limits administrative overhead.
There are a combination of factors that limit outlays for the community: As you note, the demographics skew young (in any given year, there is usually a sizable older cohort, but a lot of people move to Twin Oaks [1] as they get older).
Additionally, almost everyone is low-income, and thus people are eligible for subsidized routine health care through the state (although Missouri is pretty stingy).
Finally, mostly people just don’t choose to consume much healthcare.
There are a combination of factors that limit outlays for the community: As you note, the demographics skew young (in any given year, there is usually a sizable older cohort, but a lot of people move to Twin Oaks [1] as they get older).
Additionally, almost everyone is low-income, and thus people are eligible for subsidized routine health care through the state (although Missouri is pretty stingy).
Finally, mostly people just don’t choose to consume much healthcare.