CONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Revenues	$ 850	$ 801	$ 1,711	$ 1,608
Costs and operating expenses:
Insurance costs	630	600	1,271	1,208
Cost of providing services (exclusive of depreciation and amortization of intangible assets)	51	51	108	107
Sales and marketing	41	46	80	95
General and administrative	31	28	62	54
Systems development and programming costs	11	12	24	22
Depreciation	8	6	16	13
Amortization of intangible assets	2	1	3	3
Total costs and operating expenses	774	744	1,564	1,502
Operating income	76	57	147	106
Other income (expense):
Interest expense, bank fees and other, net	(4)	(5)	(8)	(9)
Income before provision for income taxes	72	52	139	97
Income tax expense	14	12	27	28
Net income	58	40	112	69
Comprehensive income	$ 58	$ 40	$ 112	$ 69
Net income per share:
Basic (in dollars per share)	$ 0.82	$ 0.58	$ 1.59	$ 1.00
Diluted (in dollars per share)	$ 0.80	$ 0.56	$ 1.55	$ 0.97
Weighted average shares:
Basic (in shares)	70,448,809	69,029,749	70,250,273	68,770,976
Diluted (in shares)	72,561,891	71,167,177	72,404,539	71,101,716
Professional service revenues
Revenues	$ 115	$ 109	$ 244	$ 229
Insurance service revenues
Revenues	$ 735	$ 692	$ 1,467	$ 1,379