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 teams with the most points in each division are seeded 1-3 and the next highest teams are seeded 4-8 for each conference. 16 teams make the playoffs and each round consists of a best of 7 series. Round 1 (quarterfinals): 16 teams (8 per conference). 1vs8, 2vs7, 3vs6, 4vs5.