Did you miss the part where nearly all insurance people have is subsidised by either the government or their employer? People don’t actually pay these costs there employer does, usually as an employment incentive.
“But people in the US pay it too”
Insurance is optional in the US. So no they don’t necessarily pay it, infact it’s not uncommon to skip coverage to save some money. This would not be an option under a taxation system. And yet again, it’s primarily employer-subdised.
“People from countries with universal healthcare …,”
There are many different types of universal healthcare, the fact that you are making such a broad statement shows that you have no idea what you are talking about. Some countries implement it by forcing people to buy private insurance.
“All you have to do is allow poor people to have coverage too”
Okay, so you actually are too stupid to have this conversation. Lookup what Medicaid is, and additionally realise that needs-based programs are by definition not universal. In fact this is one of the biggest criticisms of Medicare for all and UBI, they involve giving money to a large percentage of the population that don’t need it. In fact universal systems literally tax the poor to pay the rich, it’s the epitome of a regressive policy.
The current US system is inefficient sure, it’s not as inefficient as widely claimed and arguing that universalising it makes it cheaper for the user is simply false.