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Monthly contribution would be based on what you want your monthly benefit to be if you make a claim. Basically you could pay anywhere from 30-100 USD per month. But again, that remains your money.
There has to be some coordination to join a fund. For example, a few friends/professional connections would start a fund and invite fellow freelancers they know. The personal connection is to ensure trust and a sense of community with fund members. New members are added by invitation only.
The advantage of keeping groups relatively small is to make sure everyone knows at least someone (ideally multiple people) in the fund. This disincentivizes cheating or fraudulent behavior and builds community for sharing advice, resources, etc.