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Performing in adult films is an inherenently high risk occupation. 18 year olds don't ordinarilly think long term. I'll bet that 99% of college students don't carry health insurance either.
99% of college students do have basic and accident coverage through the colleges.
According to This
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There are more than 45.8 million Americans today without health insurance, a number expected to increase to 56 million within the next decade. As much as 10 percent of the uninsured population is composed of college students.
Young adults make up the largest age-group of uninsured Americans; nearly one in three of the uninsured are between 18 and 24 years old.
Colleges and universities in states such as Massachusetts, California and New Jersey have implemented programs that require health insurance coverage as a condition of college enrollment.
Aetna supports legislation that requires all students to possess private or school-sponsored health coverage before enrolling in a college or university.
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Hmmm, if colleges can require students to have coverage in order to attend, why can't the adult industry.
As far as your OSHA comment, it supports my recomendation that the industry do something before the goverment does it for them.
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"This thing is ready to do damage!"