This subchapter applies to any small employer health benefit plan issuer, any large employer health benefit plan issuer, any insurer issuing an individual or group accident and health insurance policy, or any health maintenance organization evidence of coverage, with respect to a policy or plan that establishes premium discounts, rebates, or reductions in otherwise applicable copayments, coinsurance, or deductibles, or any combination of these incentives, in return for participation in programs designed to promote disease prevention, wellness, and health.