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SEGMENT INFORMATION
 3 Months Ended
Mar. 31, 2026
Segment Reporting [Abstract]  
SEGMENT INFORMATION SEGMENT INFORMATION
We operate in one reportable segment. Our chief operating decision maker for segment reporting purposes is our CEO, who uses the profitability and significant expense detail to allocate resources and assess performance based on key functions such as customer acquisition, customer service, and indirect costs.
The primary measure of profit or loss that the CEO uses is net income. The significant expenses used in these profit or loss reports align with the primary functions of the corresponding teams, with the exception of non-cash expenses such as depreciation, amortization and stock-based compensation as these expenses are not necessarily indicative of our ongoing operations. In this expense reporting methodology, overhead-type expenses, such as facilities and technology support for colleagues, are classified consistent with the primary function of the corresponding teams and not allocated to other significant expenses.
The table below provides the primary measure of profitability and detail regarding the significant expenses reviewed by our CEO. Certain prior period amounts have been reclassified to conform to the current period presentation. These reclassifications had no impact on previously reported net income or stockholders' equity.
 Three Months Ended March 31,
(in millions)20262025
Professional service revenues
$189 $209 
Insurance service revenues
1,023 1,065 
Interest income14 18 
Total revenues
1,226 1,292 
Workers' compensation costs23 23 
Health insurance costs833 919 
Sales & marketing64 62 
Client support costs43 46 
Corporate administration41 38 
System support & development39 44 
Depreciation and amortization of intangible assets
17 17 
Stock based compensation16 13 
Other (1)
14 1 
Interest expense, bank fees and other13 14 
Income taxes34 30 
Net income89 85 
(1) Other includes certain costs that are considered non-recurring such as restructuring costs.