but it also places a financial burden on everyone else in the form of higher health care costs
I call BS

, your habits don't effect my insurance premiums. Here's what does, someone with no insurance treated at the hospital and can't afford the bill so the hospital ends up eating it and charging my insurance company $15 for an aspirin. A surgery I had a few years ago, I saw the itemized list of charges to the insurance company, $15,000 for one hour of operating room use, $200 for latex gloves, etc.... Keep in mind, Joe Public with no insurance, he could of been there for anything.... So, who's making the financial burden... The government really has no business in this sort of thing anyway, but, what the hell, they've been .......izing the meaning of republic, democracy etc. for so long now.....
"each of the citizens ought to have an equal share; so that it results that in democracies the poor are more powerful than the rich, because there are more of them and whatever is decided by the majority is sovereign. This then is one mark of liberty which all democrats set down as a principle of the constitution. And one is for a man to live as he likes; for they say that this is the function of liberty, inasmuch as to live not as one likes is the life of a man that is a slave" - Aristotle addressing "Freedom".
So by your proposition we should just kill off everyone who's sick so our insurance premiums stay low. Don't say it, I already know what your thinking, 'People who live healthy lives didn't necessarily do anything to make themselves sick'... That doesn't work, just think about it for another minute before you go down that path.
If you live by an ethic of pure selfishness then certainly the burden is clear; if you are to practice altruism to any extent then you'd be in contrast. Unless, you pass judgment on who deserves and who does not in which case I'd have wonder by what criteria does one gain authority to make that judgment and what sort of ethic it derives from.