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CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($)
shares in Millions, $ in Millions
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Total revenues $ 4,885 $ 4,540 $ 4,034
Insurance costs 3,463 3,339 2,979
Cost of providing services 303 264 262
Sales and marketing 242 202 186
General and administrative 241 176 152
Systems development and programming 73 50 40
Depreciation and amortization of intangible assets 64 54 47
Total costs and operating expenses 4,386 4,085 3,666
Operating income 499 455 368
Other income (expense):      
Interest expense, bank fees and other (39) (20) (21)
Interest income 22 6 10
Income before provision for income taxes 482 441 357
Income taxes 127 103 85
Net income 355 338 272
Other comprehensive (loss) income, net of income taxes (4) (5) 4
Comprehensive income $ 351 $ 333 $ 276
Net income per share:      
Basic (in dollars per share) $ 5.66 $ 5.13 $ 4.03
Diluted (in dollars per share) $ 5.61 $ 5.07 $ 3.99
Weighted average shares:      
Basic (in shares) 63 66 67
Diluted (in shares) 64 67 68
Professional service revenues      
Total revenues $ 754 $ 639 $ 544
Insurance service revenues      
Total revenues $ 4,131 $ 3,901 $ 3,490