[editor's note: from time to time I invite other staff members to write about issues I think may be of interest to our families. This week's guest blog is written by Morgan O'Toole, and concerns healthcare reform, specifically the possibility of a "public option" health insurance plan, a topic currently much in the news. He adds his own two cents' worth here. In the interests of full disclosure I should point out that Morgan is my son, and is responsible for the day-to-day operation…