That wasn't the point, which is that no matter how healthy one is, they are going to die, and chances are that before death they will spend a grip on healthcare costs. That's where the bulk of health expenditures happen, end of life care. We're all going to need it. How it's paid for should be handled similarly to how other mutually necessary services are, not outsourced to the legalized extortion racket of modern day private health insurers.
As far as subsidizing unhealthy behaviors, I think we're stuck with the obese, unhealthy population we have, not the one as we wish it to be, and it would be unethical to deny healthcare based on some healthy lifestyle litmus test. I can understand those who don't want to pay for such self inflicted damage, it's not fair. Smokers and the obese should pay higher premiums, simple as that (even in a public option insurance plan).