Re: There are 2 'Schools of Thought' on this
Since you're only worried about the money and not the people, I'll answer accordingly.
It all depends on all of your vices and the results. Heart attacks and strokes can be quick and cheap or if medical is prompt, it's drawn out. However, if you end up with diabetes, the cost is horrendous. Meds, dialysis, amputation after amputation (and the prosthetics) before the Grim Reaper shows up.
If you want cheap... start smoking and push everyone to smoke. Lung cancer is relatively cheap according to the insurance underwriters. Or go for not wearing a helmet or a super large helmet and riding a motorcycle.
Even the "healthy lifestyle" has it's costs down the road.. exercise wears out joints, for example.
No one gets out of the this life alive, so maybe the answer is Kool-Aid with additives. But I suppose you would refuse it?