I am very skeptical:
In addition to the risks of insolvency, there are other caveats:
1. Pre-exisiting conditions from the last 36 months are either not covered (year 1) or are capped at 25k
2. No contraceptive care (I guess you could get discounted care from PP if relevant to you)
3. Require you follow "spiritual guidance" on alcohol (whatever that means - unless member docs cover this in detail, this seems like an easy out)
4. Giant disclaimer that they can refuse to pay for any claim at any time
etc. etc.