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CONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (Unaudited) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2018
Sep. 30, 2017
Sep. 30, 2018
Sep. 30, 2017
Revenues $ 875 $ 818 $ 2,586 $ 2,427
Costs and operating expenses:        
Insurance costs 647 613 1,918 1,822
Cost of providing services (exclusive of depreciation and amortization of intangible assets) 58 50 166 157
Sales and marketing 52 44 132 139
General and administrative 33 28 95 82
Systems development and programming costs 12 11 36 34
Depreciation 10 8 26 20
Amortization of intangible assets 1 1 4 4
Total costs and operating expenses 813 755 2,377 2,258
Operating income 62 63 209 169
Other income (expense):        
Interest expense, bank fees and other, net (2) (5) (10) (13)
Income before provision for income taxes 60 58 199 156
Income tax expense 9 15 36 44
Net income 51 43 163 112
Comprehensive income $ 51 $ 43 $ 163 $ 112
Net income per share:        
Basic (in dollars per share) $ 0.73 $ 0.62 $ 2.32 $ 1.62
Diluted (in dollars per share) $ 0.71 $ 0.60 $ 2.25 $ 1.57
Weighted average shares:        
Basic (in shares) 70,556,877 69,498,218 70,353,597 69,016,054
Diluted (in shares) 72,599,944 71,499,591 72,388,598 71,138,743
Professional service revenues        
Revenues $ 119 $ 112 $ 363 $ 341
Insurance service revenues        
Revenues $ 756 $ 706 $ 2,223 $ 2,086