Do insurers have to apply their promotions equally to all customers? 

Yes. Health insurer promotions including discounts, services, waivers, gifts or other offers must be applied equitably and available to all customers of that policy to avoid discrimination in the cost of health insurance.  

However promotions offered to customers belonging to a contribution group may not be available to all customers. 

Promotions may also be higher for customers in their first year with the insurer compared with existing customers.