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CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($)
$ in Millions
 12 Months Ended
Dec. 31, 2018
Dec. 31, 2017
Dec. 31, 2016
Revenues $ 3,503 $ 3,275 $ 3,060
Insurance costs 2,610 2,466 2,414
Cost of providing services (exclusive of depreciation and amortization of intangible assets) 229 213 190
Sales and marketing 182 187 174
General and administrative 142 114 92
Systems development and programming 49 45 31
Depreciation and amortization of intangible assets 40 33 35
Total costs and operating expenses 3,252 3,058 2,936
Operating income 251 217 124
Other income (expense):      
Interest expense, bank fees and other (22) (20) (20)
Interest income 12 3 0
Income before provision for income taxes 241 200 104
Income tax expense 49 22 43
Net income 192 178 61
Other comprehensive income, net of tax $ 0 0 1
Comprehensive income   $ 178 $ 62
Net income per share:      
Basic (in dollars per share) $ 2.72 $ 2.57 $ 0.88
Diluted (in dollars per share) $ 2.65 $ 2.49 $ 0.85
Weighted average shares:      
Basic (in shares) 70,385,639 69,175,377 70,159,696
Diluted (in shares) 72,300,663 71,385,280 71,972,486
Professional service revenues      
Revenues $ 487 $ 458 $ 447
Insurance service revenues      
Revenues $ 3,016 $ 2,817 $ 2,613