4 Deck HiLo Insurance

HiLo insurance data for 4 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 4 are below:

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 <= 33 cards remain --- TC ref = +3.15
Running count = +3 --- Insure when <= 51 cards remain --- TC ref = +3.06
Running count = +4 --- Insure when <= 69 cards remain --- TC ref = +3.01
Running count = +5 --- Insure when <= 87 cards remain --- TC ref = +2.99
Running count = +6 --- Insure when <= 105 cards remain --- TC ref = +2.97
Running count = +7 --- Insure when <= 122 cards remain --- TC ref = +2.98
Running count = +8 --- Insure when <= 139 cards remain --- TC ref = +2.99
Running count = +9 --- Insure when <= 156 cards remain --- TC ref = +3.00
Running count = +10 --- Insure when <= 171 cards remain --- TC ref = +3.04
Running count = +11 --- Insure when <= 183 cards remain --- TC ref = +3.13
Running count = +12 --- Insure when <= 189 cards remain --- TC ref = +3.30
Running count = +13 --- Insure when <= 192 cards remain --- TC ref = +3.52
Running count >= +14 --- Always insure

Running count < 0 --- Never insure
Running count = 0 --- Insure when exactly 2 cards remain --- TC ref = 0
Running count = +1 --- Insure when <= 17 cards remain --- TC ref = +3.06
Running count = +2 --- Insure when <= 37 cards remain --- TC ref = +2.81
Running count = +3 --- Insure when <= 56 cards remain --- TC ref = +2.79
Running count = +4 --- Insure when <= 76 cards remain --- TC ref = +2.74
Running count = +5 --- Insure when <= 95 cards remain --- TC ref = +2.74
Running count = +6 --- Insure when <= 114 cards remain --- TC ref = +2.74
Running count = +7 --- Insure when <= 133 cards remain --- TC ref = +2.74
Running count = +8 --- Insure when <= 152 cards remain --- TC ref = +2.74
Running count = +9 --- Insure when <= 168 cards remain --- TC ref = +2.79
Running count = +10 --- Insure when <= 182 cards remain --- TC ref = +2.86
Running count = +11 --- Insure when <= 189 cards remain --- TC ref = +3.03
Running count = +12 --- Insure when <= 192 cards remain --- TC ref = +3.25
Running count >= +13 --- 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 <= 66 cards remain --- TC ref = +3.15
Running count = +5 --- Insure when <= 83 cards remain --- TC ref = +3.13
Running count = +6 --- Insure when <= 100 cards remain --- TC ref = +3.12
Running count = +7 --- Insure when <= 117 cards remain --- TC ref = +3.11
Running count = +8 --- Insure when <= 133 cards remain --- TC ref = +3.13
Running count = +9 --- Insure when <= 149 cards remain --- TC ref = +3.14
Running count = +10 --- Insure when <= 163 cards remain --- TC ref = +3.19
Running count = +11 --- Insure when <= 175 cards remain --- TC ref = +3.27
Running count = +12 --- Insure when <= 183 cards remain --- TC ref = +3.41
Running count = +13 --- Insure when <= 187 cards remain --- TC ref = +3.61
Running count = +14 --- Insure when <= 189 cards remain --- TC ref = +3.85
Running count >= +15 --- Always insure

Running count < 0 --- Never insure
Running count = 0 --- Insure when exactly 2 cards remain --- TC ref = 0
Running count = +1 --- Insure when <= 19 cards remain --- TC ref = +2.74
Running count = +2 --- Insure when <= 41 cards remain --- TC ref = +2.54
Running count = +3 --- Insure when <= 63 cards remain --- TC ref = +2.48
Running count = +4 --- Insure when <= 85 cards remain --- TC ref = +2.45
Running count = +5 --- Insure when <= 107 cards remain --- TC ref = +2.43
Running count = +6 --- Insure when <= 128 cards remain --- TC ref = +2.44
Running count = +7 --- Insure when <= 148 cards remain --- TC ref = +2.46
Running count = +8 --- Insure when <= 167 cards remain --- TC ref = +2.49
Running count = +9 --- Insure when <= 181 cards remain --- TC ref = +2.59
Running count = +10 --- Insure when <= 189 cards remain --- TC ref = +2.75
Running count = +11 --- Insure when <= 192 cards remain --- TC ref = +2.98
Running count >= +12 --- Always insure

Running count < 0 --- Never insure
Running count = 0 --- Insure when exactly 2 cards remain --- TC ref = 0
Running count = +1 --- Insure when <= 19 cards remain --- TC ref = +2.74
Running count = +2 --- Insure when <= 41 cards remain --- TC ref = +2.54
Running count = +3 --- Insure when <= 62 cards remain --- TC ref = +2.52
Running count = +4 --- Insure when <= 84 cards remain --- TC ref = +2.48
Running count = +5 --- Insure when <= 105 cards remain --- TC ref = +2.48
Running count = +6 --- Insure when <= 126 cards remain --- TC ref = +2.48
Running count = +7 --- Insure when <= 146 cards remain --- TC ref = +2.49
Running count = +8 --- Insure when <= 165 cards remain --- TC ref = +2.52
Running count = +9 --- Insure when <= 180 cards remain --- TC ref = +2.60
Running count = +10 --- Insure when <= 189 cards remain --- TC ref = +2.75
Running count = +11 --- Insure when <= 192 cards remain --- TC ref = +2.98
Running count >= +12 --- 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 <= 91 cards remain --- TC ref = +2.86
Running count = +6 --- Insure when <= 109 cards remain --- TC ref = +2.86
Running count = +7 --- Insure when <= 127 cards remain --- TC ref = +2.87
Running count = +8 --- Insure when <= 144 cards remain --- TC ref = +2.89
Running count = +9 --- Insure when <= 160 cards remain --- TC ref = +2.93
Running count = +10 --- Insure when <= 173 cards remain --- TC ref = +3.01
Running count = +11 --- Insure when <= 182 cards remain --- TC ref = +3.14
Running count = +12 --- Insure when <= 187 cards remain --- TC ref = +3.34
Running count = +13 --- Insure when <= 189 cards remain --- TC ref = +3.58
Running count >= +14 --- Always insure

Running count < 0 --- Never insure
Running count = 0 --- Insure when exactly 2 cards remain --- TC ref = 0
Running count = +1 --- Insure when <= 21 cards remain --- TC ref = +2.48
Running count = +2 --- Insure when <= 46 cards remain --- TC ref = +2.26
Running count = +3 --- Insure when <= 71 cards remain --- TC ref = +2.20
Running count = +4 --- Insure when <= 95 cards remain --- TC ref = +2.19
Running count = +5 --- Insure when <= 119 cards remain --- TC ref = +2.18
Running count = +6 --- Insure when <= 142 cards remain --- TC ref = +2.20
Running count = +7 --- Insure when <= 163 cards remain --- TC ref = +2.23
Running count = +8 --- Insure when <= 180 cards remain --- TC ref = +2.31
Running count = +9 --- Insure when <= 189 cards remain --- TC ref = +2.48
Running count = +10 --- Insure when <= 192 cards remain --- TC ref = +2.71
Running count >= +11 --- Always insure

Running count < 0 --- Never insure
Running count = 0 --- Insure when exactly 2 cards remain --- TC ref = 0
Running count = +1 --- Insure when <= 14 cards remain --- TC ref = +3.71
Running count = +2 --- Insure when <= 31 cards remain --- TC ref = +3.35
Running count = +3 --- Insure when <= 47 cards remain --- TC ref = +3.32
Running count = +4 --- Insure when <= 63 cards remain --- TC ref = +3.30
Running count = +5 --- Insure when <= 80 cards remain --- TC ref = +3.25
Running count = +6 --- Insure when <= 96 cards remain --- TC ref = +3.25
Running count = +7 --- Insure when <= 111 cards remain --- TC ref = +3.28
Running count = +8 --- Insure when <= 127 cards remain --- TC ref = +3.28
Running count = +9 --- Insure when <= 142 cards remain --- TC ref = +3.30
Running count = +10 --- Insure when <= 155 cards remain --- TC ref = +3.35
Running count = +11 --- Insure when <= 167 cards remain --- TC ref = +3.43
Running count = +12 --- Insure when <= 176 cards remain --- TC ref = +3.55
Running count = +13 --- Insure when <= 182 cards remain --- TC ref = +3.71
Running count = +14 --- Insure when <= 184 cards remain --- TC ref = +3.96
Running count = +15 --- Insure when <= 186 cards remain --- TC ref = +4.19
Running count >= +16 --- Always insure

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 <= 81 cards remain --- TC ref = +2.57
Running count = +5 --- Insure when <= 101 cards remain --- TC ref = +2.57
Running count = +6 --- Insure when <= 121 cards remain --- TC ref = +2.58
Running count = +7 --- Insure when <= 140 cards remain --- TC ref = +2.60
Running count = +8 --- Insure when <= 158 cards remain --- TC ref = +2.63
Running count = +9 --- Insure when <= 173 cards remain --- TC ref = +2.71
Running count = +10 --- Insure when <= 182 cards remain --- TC ref = +2.86
Running count = +11 --- Insure when <= 187 cards remain --- TC ref = +3.06
Running count = +12 --- Insure when <= 189 cards remain --- TC ref = +3.30
Running count >= +13 --- Always insure

Running count < 0 --- Never insure
Running count = 0 --- Insure when exactly 2 cards remain --- TC ref = 0
Running count = +1 --- Insure when <= 25 cards remain --- TC ref = +2.08
Running count = +2 --- Insure when <= 53 cards remain --- TC ref = +1.96
Running count = +3 --- Insure when <= 81 cards remain --- TC ref = +1.93
Running count = +4 --- Insure when <= 109 cards remain --- TC ref = +1.91
Running count = +5 --- Insure when <= 136 cards remain --- TC ref = +1.91
Running count = +6 --- Insure when <= 161 cards remain --- TC ref = +1.94
Running count = +7 --- Insure when <= 180 cards remain --- TC ref = +2.02
Running count = +8 --- Insure when <= 189 cards remain --- TC ref = +2.20
Running count = +9 --- Insure when <= 192 cards remain --- TC ref = +2.44
Running count >= +10 --- Always insure

Summary (True count approximation for 2 card hands)

L-L --- Insure if TC > +3
L-M --- Insure if TC >= +2.8
L-T --- Insure if TC >= +3.2
L-A --- Insure if TC >= +2.5
M-M --- Insure if TC >= +2.5
M-T --- Insure if TC >= +3
M-A --- Insure if TC >= +2.2
T-T --- Insure if TC >= +3.3
T-A --- Insure if TC >= +2.7
A-A --- Insure if TC >= +2