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Libertarian care about maximizing social and economic liberties. Liberty being defined as freedom from authority. Taxes are forced on citizens so libertarians generally want to limit taxes to a minimum. I see no reason to believe that universal healthcare would be cheaper than insurance. The government is an inefficient monopoly where private insurance companies have to compete for the lowest rates.
Private health insurance still has a "profit margin" that boards are legally bound to. The public system removes that line item.
Profit margins are to keep a company out of debt and ensure it can grow as technology advances. Government would still need to pay employees and keep up with tech. But your right, government does need to avoid debt because it can just print money but that leads to inflation. There is no way to make cost just disappear.
You want to maximize liberty, but have a funny way of showing it. Libertarians vote for the most authoritarian they can, as long as they will cut taxes. Even if that means banning abortion, keeping marijuana prohibition, forcing religion on children in schools, supporting civil forfeiture, preventing people from choosing sustainable energy, and so much more.
As has famously been said, taxes are the price we pay for civilized society. The non-aggression principle I believe is absolute bullshit. Libertarian would happily screw over anyone, claiming they are simply exercising their personal liberty. They couldn’t care any less about the well being of anyone else but themselves. Absolute barbarians if you ask me. Personally, I’m happy to get good services for my taxes, and not see my money go to a greedy asshole CEO. Sure, politicians are also greedy assholes, but at least the people can vote them out.
It would cost less because a single entity, costing much less overhead. Also, a single entity would have far more buying power. Almost every doctor would have to accept them, eliminating out-of-network costs. And we wouldn’t have hundreds of overpaid executives that pat themselves on the back with multimillion dollar bonuses for denying sick people coverage. And we can see it in action. Most industrialized countries already have some form of universal healthcare, and they all cost less per capita. People that actually have universal healthcare generally love it. And don’t talk to me about waiting lists. I’ve been on plenty of waiting lists right here, and lots of people can’t even get on them because they can’t afford the care they need.
Competition simply does not work in the healthcare market. When people are sick, they are limited typically to one option. And it has inelastic demand, so changing prices don’t change demand, and thus hospitals and doctors can charge whatever. The system, built on the economic principles libertarians espouse, is god-awful.
How is having numerous private companies all concerned with billing in any way efficient? Imagine if everyone was covered and the money and time and intelligence used to decide how much they pay and how much you pay went towards actual healthcare. The whole existence of health insurance is an inefficiency.