Insurance companies use copayments to share health care costs to prevent moral hazard. Though the copay is often a small portion of the actual cost of the medical service, it is meant to prevent people from seeking medical care that may not be necessary (e.g., an infection by the common cold).
The format is a set bracket that is largely division-based with wild cards. The top three teams in each division will make up the first 12 teams in the playoffs. The remaining four spots will be filled by the next two highest-placed finishers in each conference, based on regular-season record and regardless of division.It is possible for one division in each conference to send five teams to the postseason while the other sends just three. The greater differential between goals for and against for the entire regular season. 2  NOTE: In standings a victory in a shootout counts as one goal for, while a shootout loss counts as one goal against.
2016 MLB Standings: Division. 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 Division Wild Card Advanced Spring.