While insurers nationwide say it's important that healthcare reform offer people plenty of insurance alternatives, Blue Cross Blue Shield of Florida has decided that one basic plan is best for its employees next year. Its agents will continue to offer businesses and individuals dozens of options in health maintenance organizations, preferred provider organizations, and other possibilities, but in 2010, the 5,000 employees of the state's largest health insurer will be required to go into a high-deductible product linked to health savings accounts.