Jay bhattacharya and m. kate bundorf of stanford university have found evidence that people who are obese and work for firms that have employer-provided health insurance receive lower wages than people working at those firms who are not obese. at firms that do not provide health insurance, obese workers do not receive lower wages than workers who are not obese. source: jay bhattacharya and m. kate bundorf, "the incidence of the health care costs of obesity," journal of health economics, vol. 28, no. 3, may 2009, pp. 649-58.firms that provide workers with health insurance may pay a lower wage to obese workers than to workers who are not obese because the former tend to be less healthy and consequentlya. more costly to insure and therefore employ due to their higher claim submission rate. b. experience higher rates of absenteeism and early retirement. c. less productive at work. d.all of the above. e. a and b only.