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.
The NHL continued the split-season and playoff format upon the winding up of the NHA organization. Except for the 1919â20 season, where there was no playoff because Ottawa won both halves of the season, the champion of the NHL has been the playoff champion.