If you get a PA on a Friday night or Saturday, you'll be okay for work on Monday. A PA is quick to heal and you shouldn't feel any discomfort after the first few hours.
As far as health insurance is concerned I've no idea, I don't have - or need - it here in the UK.
No long term "consequences" as far I'm concerned. Just loads of pleasure.
I've had an operation on my hip and knee under general anaesthetic and the surgeon, doctors and nurses didn't even mention it.
12 yearsish, no issues, 00 gauge day to day, 000 gauge if I feel like showing off... but too heavy for longer than a day or two, makes my cock ache.
As an earlier poster said, I wish I'd got it done earlier.