If you don't want to wear a helmet...go for it. Increased insurance costs? A couple of cracked heads will not add much to the overall insurance rates.
Increased OHIP costs? Sure, but we live in a public health care system and have all agreed to cover everyone's choices and costs, including smokers, motorcycle racers, mountain bike riders, white water rafters and even those who choose to jump out of a perfectly good airplane. If we are worried about health care costs lets privatize the system and pay our own way just like visiting the dentist.
Religious rights vs helmet laws? If you can use the law to change the law...go for it....I don't have a problem with that. I just hope the Federal court house brings back Christmas trees after one judge had them removed without a hearing or trial just because they thought it was a Christian symbol and not inviting to other religions. I'm not religious, I just like Christmas trees at Christmas time.