CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($) shares in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Total revenues	$ 4,922	$ 4,885	$ 4,540
Costs and operating expenses:
Insurance costs	3,513	3,463	3,339
Cost of providing services	307	303	264
Sales and marketing	285	242	202
General and administrative	211	241	176
Systems development and programming	65	73	50
Depreciation and amortization of intangible assets	72	64	54
Total costs and operating expenses	4,453	4,386	4,085
Operating income	469	499	455
Other income (expense):
Interest expense, bank fees and other	(40)	(39)	(20)
Interest income	72	22	6
Income before provision for income taxes	501	482	441
Income taxes	126	127	103
Net income	375	355	338
Other comprehensive (loss) income, net of income taxes	3	(4)	(5)
Comprehensive income	$ 378	$ 351	$ 333
Net income per share:
Basic (in dollars per share)	$ 6.61	$ 5.66	$ 5.13
Diluted (in dollars per share)	$ 6.56	$ 5.61	$ 5.07
Weighted average shares:
Basic (in shares)	57	63	66
Diluted (in shares)	57	64	67
Professional service revenues
Total revenues	$ 756	$ 754	$ 639
Insurance service revenues
Total revenues	$ 4,166	$ 4,131	$ 3,901