They are different plans. Looks at Alaska for instance, they have

1. An ACP (account based plans) and
2. A contractual LDPPO plan.

Same with DALPA and others.

Jetblue only offers two ACPs

1. Green (HRA)
2. Blue (HSA)

IMO to be inline with the market place for pilots Jetblue should offer a additional plan (plus a completely different risk and cost structure): a LDPPO Plan. We asked before and was told to pound sand and now we are hopefully negotiating for one and a HMO.

And to be clear Obamacare has zero to do with the mandated limits of ACPs. ACP's were in place way before the ACA.