Each wellness benefit shall include: A health risk assessment that is: Available at no cost to all employees covered under the small employer's wellness benefit; and Completed by each employee on a voluntary basis; Written feedback to each employee who completes the health risk assessment, with recommendations for lowering risks identified in the completed health risk assessment; and A financial incentive to promote: Preventive care; Healthy behavior and lifestyle choices; or Participation in a disease management program or case management program. The financial incentive described in §A(3) of this regulation may be in the form of: A direct reward of financial value given to the employee, such as a monetary reward or a gift card; or A reduction in the employee's copayments, coinsurance, or deductible that would otherwise be payable under the small employer's health benefit plan. A carrier shall be considered to have satisfied the requirement of §A(3) of this regulation, if the wellness benefit offered by the carrier eliminates the deductible for preventive services only.