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People vs. Profits: The Great Health Insurance Myth

Your analysis suffers from a fatal flaw. You are taking the future value of the insurance premiums with zero cost associated. To be appropriate, you would need to take the average monthly premium minus the average monthly insurance claim minus the costs of administering the plan.

The Post Office, FedEx and UPS Model for Health Insurance

Comparing the health care plan to Fedex vs. USPS doesn't make much sense. There is competition because the USPS has to pay its own way. When the post office runs out of money, they have to increase rates.

Conversely, socialized health care is actually paid for (in some manner or another) by those are already insured. Whether it is structured as a direct tax or indirect tax is irrelevant.

A more apt analogy would be the federal government putting a tax on all FedEx packages, and giving that money to the post office. This isn't creating competition, it is destroying it.

If Obama was planning a public option that was 100% funded by plan participants, then it would be true competition. I have not seen ANY proposal by either political party that would be structured in this manner.