CONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Total revenues	$ 934	$ 861
Costs and operating expenses:
Insurance costs	683	641
Cost of providing services	64	57
Sales and marketing	46	39
General and administrative	36	31
Systems development and programming	12	13
Depreciation and amortization of intangible assets	11	9
Total costs and operating expenses	852	790
Operating income	82	71
Other income (expense):
Interest expense, bank fees and other	(5)	(6)
Interest income	6	2
Income before provision for income taxes	83	67
Income tax expense	20	13
Net income	63	54
Comprehensive income	$ 63	$ 54
Net income per share:
Basic (in dollars per share)	$ 0.91	$ 0.77
Diluted (in dollars per share)	$ 0.89	$ 0.75
Weighted average shares:
Basic (in shares)	69,909,984	70,047,752
Diluted (in shares)	71,247,427	72,274,821
Professional service revenues
Total revenues	$ 136	$ 129
Insurance service revenues
Total revenues	$ 798	$ 732