i wonder how many ladies have decent health insurance.     be great if somehow the ladies could create a group for group health discount.   maybe a "non profit" they all join to get better deal than individual insurance.  

Random people coming together solely for health insurance sounds like a guaranteed financial disaster.  Most plans, like employer plans, the people join the business for reasons other than health.  So they don't attract all the sick people who can't get insurance.  So employer plans have a better distribution of healthy vs sick.  But a plan anyone can join will be swarmed with sick people and quickly go bust when claims exceed premiums.

are you implying all our great ladies are sick  ??

There are some organizations advocating for SWs (sex workers). One is COYOTE. Right now, I think their main effort is on laws and such. But do they also help SWs with health insurance?  
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You don't have to be old or retired to join AARP. I have a friend who told me that he joined when he was 18 yo.  AARP advertises insurance deals for members all over the place (TV, internet, medical offices, ...). Or is that just for Medicare / Medicaid plans?
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Health insurance is regulated state by state. Even if there was a group (AARP), they'd have to negotiate within each state to get the desired deals. I don't see the numbers justifying it for a small national group.  

There's always MediCal for self-employed people.  It's probably the best-loved government program in the state.  

I broke a foot, (broke 3 bones) and was off for about 4 -5months. Emergency services, doc appts, PT.  

A lot of providers are on Medicaid because they don’t report income and, so, they can qualify. Hopefully they get tested regularly with our tax dollars at least.