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It seems like you have an interesting definition of liberty. Liberty (to me) is freedom from authority. Libertarians core value is not having government force individuals to do anything. If people want to opt into a universal healthcare private system they are free to do so (kind of like insurance). A big motivation for this is lack of trust in government to handle the job well. Libertarians see government as inherently prone to corruption and thus want to limit their power as much as possible. The extent to which a given libertarian wants to limit government varies. By appointing government authorities to the system the cost of everything rises as in addition to health care you also have to pay the government workers who oversee the system and it's not very efficient. Not to mention politicians get to decide how much money goes to these programs etc etc. do you really want politicians involved in your health? With all the inefficiency and corruption in politics why do you trust them to handle your health?
How do libertarians generally handle minority rights? Is it as bad as conservatives? A good example are all of these anti-trans and anti choice in abortion bills. What would a libertarian think of these?
Looking on the internet it kind of feels like libertarians are usually suburban people or people so out of the way that the messes in Washington don't affect them as hard as those in the cities. So I have only met one and he didn't seem to fond of our black coworkers, if you get what I mean.
Libertarians are just like other political parties. There are different groups that subscribe the the term libertarian each with slightly different beliefs. Whatever extremists people are out there in the Internet do not represent the whole. I really suggest watching some of the 2024 libertarian debates. They are educated smart people who are informed about the complex issues like those you mentioned. This whole thread has been really eye opening for me. I had no idea people had these conceptions about libertarians. I am guessing there are a bunch of far right groups that like to identify as anarchists and throw around the term libertarian while they do. But if you listen to the rhetoric of the political party and the representatives you will see that those ideas are not held by the party as a whole.
To answer your question, libertarians are, in general, pro personal liberties and pro economic liberties. They believe the individual should get to choose. A common line they use is government should not exert force one way or the other. This means they tend to agree with Democrats on issues like race, drugs, LGBTQ etc. The people who actually get a stage in the political party are absolutely against racism, sexism etc. There was a debate recently where the candidates (about 7 primary) were Asked their stance on abortion. Most of them said they were personally pro life BUT they would still veto any bill or cut funding to any program that forced that perspective on others. Any person who goes around saying they think this and they want the government to force and regulate that disagrees fundamentally with the libertarian perspective. I said most, because one of the candidates was unapologetically pro choice. Please don't think that whatever alt right edge lords are out there actually have any idea what libertarianism is.
I'll look up some of those debates. Thank you for the explanation.