Which of the following groups can commit fraud?

Fraud can be perpetrated by various individuals and groups, including insurance agents, consumers, and healthcare providers. Each of these groups has access to resources or information that can potentially be exploited for fraudulent purposes.

Insurance agents might engage in fraud by manipulating policy details or misrepresenting coverage to clients for personal gain. Consumers could commit fraud by providing false information on applications or claims to receive unwarranted benefits. Healthcare providers may submit fraudulent claims or bill for services not rendered, affecting the integrity of healthcare systems.

Given this understanding, it is clear that fraud is not limited to a specific group but can involve any party that has the opportunity and motive to exploit systems or processes for financial gain. Therefore, the correct answer encapsulates the broad spectrum of individuals who can commit fraud, emphasizing that it is a risk across multiple sectors.