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.
In the third round, the Conference Finals, the two remaining teams in each conference play each other, with the conference champions proceeding to the Stanley Cup Final. For the first three rounds, the higher-seeded team has home-ice advantage (regardless of point record).