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CONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (Unaudited) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2019
Sep. 30, 2018
Sep. 30, 2019
Sep. 30, 2018
Total revenues $ 969 $ 875 $ 2,838 $ 2,586
Costs and operating expenses:        
Insurance costs 748 647 2,135 1,918
Cost of providing services 59 58 186 166
Sales and marketing 47 52 145 132
General and administrative 27 33 99 95
Systems development and programming 9 12 34 36
Depreciation and amortization of intangible assets 11 11 34 30
Total costs and operating expenses 901 813 2,633 2,377
Operating income 68 62 205 209
Other income (expense):        
Interest expense, bank fees and other (6) (5) (17) (17)
Interest income 5 3 18 7
Income before provision for income taxes 67 60 206 199
Income tax expense 12 9 42 36
Net income 55 51 164 163
Other comprehensive income, net of tax 0 0 1 0
Comprehensive income $ 55 $ 51 $ 165 $ 163
Net income per share:        
Basic (in dollars per share) $ 0.80 $ 0.73 $ 2.35 $ 2.32
Diluted (in dollars per share) $ 0.78 $ 0.71 $ 2.31 $ 2.25
Weighted average shares:        
Basic (in shares) 69,612,362 70,556,877 69,740,956 70,353,597
Diluted (in shares) 70,972,874 72,599,944 71,069,852 72,388,598
Professional service revenues        
Total revenues $ 130 $ 119 $ 393 $ 363
Insurance service revenues        
Total revenues $ 839 $ 756 $ 2,445 $ 2,223