Which groups can commit fraud, waste, and abuse?

Fraud, waste, and abuse can be committed by a broad array of parties involved in various industries, particularly in healthcare and insurance sectors. Consumers, for instance, may attempt to submit false claims to receive benefits they are not entitled to, which constitutes fraud. Agents and web brokers could also engage in unethical practices such as misrepresenting policies or manipulating information to benefit themselves financially, illustrating both fraud and abuse.

Insurance companies, while they primarily serve to oversee and process claims, can sometimes also be involved in fraudulent practices, such as denying legitimate claims or engaging in unnecessary denials of service, which can be categorized as waste or abuse.

Hence, the inclusion of consumers, agents, insurance companies, and web brokers acknowledges that fraud, waste, and abuse are issues that can arise from various stakeholders within the system, making this answer the most comprehensive and accurate representation of who can commit such acts.