Also at the bottom of the insurance sheet it mentions that those numbers are for 2013 only. One of the items they want modified on page E-1 is this little nugget:

1. Section 27.A:
Medical, Dental, and Prescription
a. Change consent of the Association to notification prior to implementation

So basically you can take whatever numbers you see there and just add more and more for each year afterwards that we are going to have to pay for insurance because there will be no limits to what the company can do...