Tricia, and what if you didn't have insurance, what would have happened to you? What if you were like many college age kids and just chanced it. What happens then. Its pretty common place that people who take part in inherently dangerous activities, such as ridding a motorcyle, are forced to take precautions. Think of mandatory health insurance as a helmet for performers.
Seeing how government is taking an interest in safety of adult sets, how long until the industry is forced to do this anyway. Wouldn't it better the next time a Sasha Grey goes on a news mag for her to be able to say the industry is safety conscious and requires performers have health insurance.
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"This thing is ready to do damage!"