2 Deck HiLo Insurance

HiLo insurance data for 2 decks

HiLo is a counting system that has 3 groups of cards

2, 3, 4, 5, 6 --- L --- (low cards) --- tag = -1
7, 8, 9 --- M --- (medium cards) --- tag = 0
T, A --- H --- (high cards) --- tag = +1

When there are more low cards than high remaining to be dealt, running count is negative.
When there are more high cards than low remaining to be dealt, running count is positive.
When there are an equal number of low cards and high cards remaining to be dealt, running count is 0.
There are 10 possible 2 card hands relative to HiLo and insurance: LL, LM, LT, LA, MM, MT, MA, TT, TA, AA
The points at which to insure each of these hands when number of decks is 2 are below:

Running count < 0 --- Never insure
Running count = 0 --- Insure when exactly 2 cards remain --- TC ref = 0
Running count = +1 --- Insure when <= 18 cards remain --- TC ref = +2.89
Running count = +2 --- Insure when <= 39 cards remain --- TC ref = +2.67
Running count = +3 --- Insure when <= 60 cards remain --- TC ref = +2.60
Running count = +4 --- Insure when <= 80 cards remain --- TC ref = +2.60
Running count = +5 --- Insure when <= 94 cards remain --- TC ref = +2.77
Running count >= +6 --- Always insure

Running count < 0 --- Never insure
Running count = 0 --- Insure when exactly 2 cards remain --- TC ref = 0
Running count = +1 --- Insure when <= 23 cards remain --- TC ref = +2.26
Running count = +2 --- Insure when <= 49 cards remain --- TC ref = +2.12
Running count = +3 --- Insure when <= 75 cards remain --- TC ref = +2.08
Running count = +4 --- Insure when <= 94 cards remain --- TC ref = +2.21
Running count >= +5 --- Always insure

Running count < 0 --- Never insure
Running count = 0 --- Insure when exactly 2 cards remain --- TC ref = 0
Running count = +1 --- Insure when <= 16 cards remain --- TC ref = +3.25
Running count = +2 --- Insure when <= 35 cards remain --- TC ref = +2.97
Running count = +3 --- Insure when <= 54 cards remain --- TC ref = +2.89
Running count = +4 --- Insure when <= 72 cards remain --- TC ref = +2.89
Running count = +5 --- Insure when <= 86 cards remain --- TC ref = +3.02
Running count = +6 --- Insure when <= 93 cards remain --- TC ref = +3.35
Running count >= +7 --- Always insure

Running count < 0 --- Never insure
Running count = 0 --- Insure when exactly 2 cards remain --- TC ref = 0
Running count = +1 --- Insure when <= 32 cards remain --- TC ref = +1.63
Running count = +2 --- Insure when <= 68 cards remain --- TC ref = +1.53
Running count = +3 --- Insure when <= 94 cards remain --- TC ref = +1.66
Running count >= +4 --- Always insure

Running count < 0 --- Never insure
Running count = 0 --- Insure when exactly 2 cards remain --- TC ref = 0
Running count = +1 --- Insure when <= 31 cards remain --- TC ref = +1.68
Running count = +2 --- Insure when <= 66 cards remain --- TC ref = +1.58
Running count = +3 --- Insure when <= 92 cards remain --- TC ref = +1.70
Running count = +3 --- Insure when exactly 94 cards remain --- TC ref = +1.66
Running count >= +4 --- Always insure

Running count < 0 --- Never insure
Running count = 0 --- Insure when exactly 2 cards remain --- TC ref = 0
Running count = +1 --- Insure when <= 20 cards remain --- TC ref = +2.60
Running count = +2 --- Insure when <= 43 cards remain --- TC ref = +2.42
Running count = +3 --- Insure when <= 66 cards remain --- TC ref = +2.36
Running count = +4 --- Insure when <= 84 cards remain --- TC ref = +2.48
Running count = +5 --- Insure when <= 93 cards remain --- TC ref = +2.80
Running count >= +6 --- Always insure

Running count < 0 --- Never insure
Running count = 0 --- Insure when exactly 2 cards remain --- TC ref = 0
Running count = +1 --- Insure when <= 51 cards remain --- TC ref = +1.02
Running count = +2 --- Insure when <= 92 cards remain --- TC ref = +1.13
Running count = +2 --- Insure exactly 94 cards remain --- TC ref = +1.11
Running count >= +3 --- Always insure

Running count < 0 --- Never insure
Running count = 0 --- Insure when exactly 2 cards remain --- TC ref = 0
Running count = +1 --- Insure when <= 15 cards remain --- TC ref = +3.47
Running count = +2 --- Insure when <= 32 cards remain --- TC ref = +3.25
Running count = +3 --- Insure when <= 49 cards remain --- TC ref = +3.18
Running count = +4 --- Insure when <= 65 cards remain --- TC ref = +3.20
Running count = +5 --- Insure when <= 78 cards remain --- TC ref = +3.33
Running count = +6 --- Insure when <= 87 cards remain --- TC ref = +3.59
Running count = +7 --- Insure when <= 90 cards remain --- TC ref = +4.04
Running count >= +8 --- Always insure

Running count < 0 --- Never insure
Running count = 0 --- Insure when exactly 2 cards remain --- TC ref = 0
Running count = +1 --- Insure when <= 28 cards remain --- TC ref = +1.86
Running count = +2 --- Insure when <= 60 cards remain --- TC ref = +1.73
Running count = +3 --- Insure when <= 84 cards remain --- TC ref = +1.86
Running count = +4 --- Insure when <= 93 cards remain --- TC ref = +2.24
Running count >= +5 --- Always insure

Running count < 0 --- Never insure
Running count = 0 --- Insure when exactly 2, 4 cards remain --- TC ref = 0
Running count = +1 --- Insure when <= 94 cards remain --- TC ref = +0.55
Running count >= +2 --- Always insure

Summary (True count approximation for 2 card hands)

L-L --- Insure if TC >= +2.7
L-M --- Insure if TC >= +2.2
L-T --- Insure if TC >= +3
L-A --- Insure if TC >= +1.6
M-M --- Insure if TC >= +1.7
M-T --- Insure if TC >= +2.4
M-A --- Insure if TC > +1
T-T --- Insure if TC >= +3.4
T-A --- Insure if TC >= +2
A-A --- Insure if TC >= +0.6