[eluser]brianw1975[/eluser]
I would have multiple tables, but not the way you are probably thinking.
I would have:
host_accounts table with id, username, host_name, url, etc,etc
user_accounts table with id, username, password, accounts_type_id
account_types table with id, description, access_level
host_accounts table with id, host_accounts_id, user_accounts_id
you could take this a step or two further (give me some slack, it's a bit late) with
user_account_types table with id, user_accounts_id, accounts_type_id
doing that would require removing account_type_id from the above user_accounts table
anyways, hope that helps and if you need more info I'll be happy to assist; you'll probably get a few more suggestions on how to do it.