6 Deck HiLo Insurance

HiLo insurance data for 6 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 6 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 <= 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 <= 134 cards remain --- TC ref = +3.10
Running count = +9 --- Insure when <= 151 cards remain --- TC ref = +3.10
Running count = +10 --- Insure when <= 168 cards remain --- TC ref = +3.10
Running count = +11 --- Insure when <= 185 cards remain --- TC ref = +3.09
Running count = +12 --- Insure when <= 201 cards remain --- TC ref = +3.10
Running count = +13 --- Insure when <= 217 cards remain --- TC ref = +3.12
Running count = +14 --- Insure when <= 232 cards remain --- TC ref = +3.14
Running count = +15 --- Insure when <= 247 cards remain --- TC ref = +3.16
Running count = +16 --- Insure when <= 260 cards remain --- TC ref = +3.20
Running count = +17 --- Insure when <= 271 cards remain --- TC ref = +3.26
Running count = +18 --- Insure when <= 279 cards remain --- TC ref = +3.35
Running count = +19 --- Insure when <= 284 cards remain --- TC ref = +3.48
Running count = +20 --- Insure when <= 286 cards remain --- TC ref = +3.64
Running count = +21 --- Insure when <= 288 cards remain --- TC ref = +3.79
Running count >= +22 --- 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 <= 34 cards remain --- TC ref = +3.06
Running count = +3 --- Insure when <= 52 cards remain --- TC ref = +3.00
Running count = +4 --- Insure when <= 70 cards remain --- TC ref = +2.97
Running count = +5 --- Insure when <= 88 cards remain --- TC ref = +2.95
Running count = +6 --- Insure when <= 106 cards remain --- TC ref = +2.94
Running count = +7 --- Insure when <= 124 cards remain --- TC ref = +2.94
Running count = +8 --- Insure when <= 142 cards remain --- TC ref = +2.93
Running count = +9 --- Insure when <= 160 cards remain --- TC ref = +2.93
Running count = +10 --- Insure when <= 177 cards remain --- TC ref = +2.94
Running count = +11 --- Insure when <= 195 cards remain --- TC ref = +2.93
Running count = +12 --- Insure when <= 212 cards remain --- TC ref = +2.94
Running count = +13 --- Insure when <= 228 cards remain --- TC ref = +2.96
Running count = +14 --- Insure when <= 244 cards remain --- TC ref = +2.98
Running count = +15 --- Insure when <= 258 cards remain --- TC ref = +3.02
Running count = +16 --- Insure when <= 270 cards remain --- TC ref = +3.08
Running count = +17 --- Insure when <= 279 cards remain --- TC ref = +3.17
Running count = +18 --- Insure when <= 284 cards remain --- TC ref = +3.30
Running count = +19 --- Insure when <= 286 cards remain --- TC ref = +3.45
Running count = +20 --- Insure when <= 288 cards remain --- TC ref = +3.61
Running count >= +21 --- 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 <= 48 cards remain --- TC ref = +3.25
Running count = +4 --- Insure when <= 64 cards remain --- TC ref = +3.25
Running count = +5 --- Insure when <= 81 cards remain --- TC ref = +3.21
Running count = +6 --- Insure when <= 97 cards remain --- TC ref = +3.22
Running count = +7 --- Insure when <= 114 cards remain --- TC ref = +3.19
Running count = +8 --- Insure when <= 130 cards remain --- TC ref = +3.20
Running count = +9 --- Insure when <= 147 cards remain --- TC ref = +3.18
Running count = +10 --- Insure when <= 163 cards remain --- TC ref = +3.19
Running count = +11 --- Insure when <= 179 cards remain --- TC ref = +3.20
Running count = +12 --- Insure when <= 195 cards remain --- TC ref = +3.20
Running count = +13 --- Insure when <= 210 cards remain --- TC ref = +3.22
Running count = +14 --- Insure when <= 225 cards remain --- TC ref = +3.24
Running count = +15 --- Insure when <= 239 cards remain --- TC ref = +3.26
Running count = +16 --- Insure when <= 252 cards remain --- TC ref = +3.30
Running count = +17 --- Insure when <= 264 cards remain --- TC ref = +3.35
Running count = +18 --- Insure when <= 272 cards remain --- TC ref = +3.44
Running count = +19 --- Insure when <= 278 cards remain --- TC ref = +3.55
Running count = +20 --- Insure when <= 282 cards remain --- TC ref = +3.69
Running count = +21 --- Insure when <= 284 cards remain --- TC ref = +3.85
Running count = +22 --- Insure when <= 285 cards remain --- TC ref = +4.01
Running count >= +23 --- 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 <= 36 cards remain --- TC ref = +2.89
Running count = +3 --- Insure when <= 56 cards remain --- TC ref = +2.79
Running count = +4 --- Insure when <= 75 cards remain --- TC ref = +2.77
Running count = +5 --- Insure when <= 94 cards remain --- TC ref = +2.77
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 <= 171 cards remain --- TC ref = +2.74
Running count = +10 --- Insure when <= 189 cards remain --- TC ref = +2.75
Running count = +11 --- Insure when <= 208 cards remain --- TC ref = +2.75
Running count = +12 --- Insure when <= 225 cards remain --- TC ref = +2.77
Running count = +13 --- Insure when <= 242 cards remain --- TC ref = +2.79
Running count = +14 --- Insure when <= 257 cards remain --- TC ref = +2.83
Running count = +15 --- Insure when <= 270 cards remain --- TC ref = +2.89
Running count = +16 --- Insure when <= 279 cards remain --- TC ref = +2.98
Running count = +17 --- Insure when <= 284 cards remain --- TC ref = +3.11
Running count = +18 --- Insure when <= 286 cards remain --- TC ref = +3.27
Running count = +19 --- Insure when <= 288 cards remain --- TC ref = +3.43
Running count >= +20 --- 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 <= 36 cards remain --- TC ref = +2.89
Running count = +3 --- Insure when <= 55 cards remain --- TC ref = +2.84
Running count = +4 --- Insure when <= 74 cards remain --- TC ref = +2.81
Running count = +5 --- Insure when <= 93 cards remain --- TC ref = +2.80
Running count = +6 --- Insure when <= 113 cards remain --- TC ref = +2.76
Running count = +7 --- Insure when <= 132 cards remain --- TC ref = +2.76
Running count = +8 --- Insure when <= 151 cards remain --- TC ref = +2.75
Running count = +9 --- Insure when <= 169 cards remain --- TC ref = +2.77
Running count = +10 --- Insure when <= 188 cards remain --- TC ref = +2.77
Running count = +11 --- Insure when <= 206 cards remain --- TC ref = +2.78
Running count = +12 --- Insure when <= 224 cards remain --- TC ref = +2.79
Running count = +13 --- Insure when <= 240 cards remain --- TC ref = +2.82
Running count = +14 --- Insure when <= 256 cards remain --- TC ref = +2.84
Running count = +15 --- Insure when <= 269 cards remain --- TC ref = +2.90
Running count = +16 --- Insure when <= 278 cards remain --- TC ref = +2.99
Running count = +17 --- Insure when <= 284 cards remain --- TC ref = +3.11
Running count = +18 --- Insure when <= 286 cards remain --- TC ref = +3.27
Running count = +19 --- Insure when <= 288 cards remain --- TC ref = +3.43
Running count >= +20 --- 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 <= 33 cards remain --- TC ref = +3.15
Running count = +3 --- Insure when <= 50 cards remain --- TC ref = +3.12
Running count = +4 --- Insure when <= 68 cards remain --- TC ref = +3.06
Running count = +5 --- Insure when <= 85 cards remain --- TC ref = +3.06
Running count = +6 --- Insure when <= 103 cards remain --- TC ref = +3.03
Running count = +7 --- Insure when <= 120 cards remain --- TC ref = +3.03
Running count = +8 --- Insure when <= 138 cards remain --- TC ref = +3.01
Running count = +9 --- Insure when <= 155 cards remain --- TC ref = +3.02
Running count = +10 --- Insure when <= 172 cards remain --- TC ref = +3.02
Running count = +11 --- Insure when <= 189 cards remain --- TC ref = +3.03
Running count = +12 --- Insure when <= 205 cards remain --- TC ref = +3.04
Running count = +13 --- Insure when <= 221 cards remain --- TC ref = +3.06
Running count = +14 --- Insure when <= 236 cards remain --- TC ref = +3.08
Running count = +15 --- Insure when <= 250 cards remain --- TC ref = +3.12
Running count = +16 --- Insure when <= 262 cards remain --- TC ref = +3.18
Running count = +17 --- Insure when <= 271 cards remain --- TC ref = +3.26
Running count = +18 --- Insure when <= 278 cards remain --- TC ref = +3.37
Running count = +19 --- Insure when <= 282 cards remain --- TC ref = +3.50
Running count = +20 --- Insure when <= 284 cards remain --- TC ref = +3.66
Running count = +21 --- Insure when <= 285 cards remain --- TC ref = +3.83
Running count >= +22 --- 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 <= 59 cards remain --- TC ref = +2.64
Running count = +4 --- Insure when <= 80 cards remain --- TC ref = +2.60
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 <= 141 cards remain --- TC ref = +2.58
Running count = +8 --- Insure when <= 162 cards remain --- TC ref = +2.57
Running count = +9 --- Insure when <= 182 cards remain --- TC ref = +2.57
Running count = +10 --- Insure when <= 201 cards remain --- TC ref = +2.59
Running count = +11 --- Insure when <= 220 cards remain --- TC ref = +2.60
Running count = +12 --- Insure when <= 238 cards remain --- TC ref = +2.62
Running count = +13 --- Insure when <= 255 cards remain --- TC ref = +2.65
Running count = +14 --- Insure when <= 268 cards remain --- TC ref = +2.72
Running count = +15 --- Insure when <= 278 cards remain --- TC ref = +2.81
Running count = +16 --- Insure when <= 284 cards remain --- TC ref = +2.93
Running count = +17 --- Insure when <= 286 cards remain --- TC ref = +3.09
Running count = +18 --- Insure when <= 288 cards remain --- TC ref = +3.25
Running count >= +19 --- 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 <= 30 cards remain --- TC ref = +3.47
Running count = +3 --- Insure when <= 46 cards remain --- TC ref = +3.39
Running count = +4 --- Insure when <= 62 cards remain --- TC ref = +3.35
Running count = +5 --- Insure when <= 79 cards remain --- TC ref = +3.29
Running count = +6 --- Insure when <= 95 cards remain --- TC ref = +3.28
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 <= 158 cards remain --- TC ref = +3.29
Running count = +11 --- Insure when <= 174 cards remain --- TC ref = +3.29
Running count = +12 --- Insure when <= 189 cards remain --- TC ref = +3.30
Running count = +13 --- Insure when <= 204 cards remain --- TC ref = +3.31
Running count = +14 --- Insure when <= 218 cards remain --- TC ref = +3.34
Running count = +15 --- Insure when <= 232 cards remain --- TC ref = +3.36
Running count = +16 --- Insure when <= 245 cards remain --- TC ref = +3.40
Running count = +17 --- Insure when <= 256 cards remain --- TC ref = +3.45
Running count = +18 --- Insure when <= 265 cards remain --- TC ref = +3.53
Running count = +19 --- Insure when <= 272 cards remain --- TC ref = +3.63
Running count = +20 --- Insure when <= 277 cards remain --- TC ref = +3.75
Running count = +21 --- Insure when <= 279 cards remain --- TC ref = +3.91
Running count = +22 --- Insure when <= 281 cards remain --- TC ref = +4.07
Running count = +23 --- Insure when <= 282 cards remain --- TC ref = +4.24
Running count >= +24 --- 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 <= 73 cards remain --- TC ref = +2.85
Running count = +5 --- Insure when <= 91 cards remain --- TC ref = +2.86
Running count = +6 --- Insure when <= 110 cards remain --- TC ref = +2.84
Running count = +7 --- Insure when <= 129 cards remain --- TC ref = +2.82
Running count = +8 --- Insure when <= 147 cards remain --- TC ref = +2.83
Running count = +9 --- Insure when <= 165 cards remain --- TC ref = +2.84
Running count = +10 --- Insure when <= 183 cards remain --- TC ref = +2.84
Running count = +11 --- Insure when <= 201 cards remain --- TC ref = +2.85
Running count = +12 --- Insure when <= 218 cards remain --- TC ref = +2.86
Running count = +13 --- Insure when <= 234 cards remain --- TC ref = +2.89
Running count = +14 --- Insure when <= 249 cards remain --- TC ref = +2.92
Running count = +15 --- Insure when <= 262 cards remain --- TC ref = +2.98
Running count = +16 --- Insure when <= 271 cards remain --- TC ref = +3.07
Running count = +17 --- Insure when <= 278 cards remain --- TC ref = +3.18
Running count = +18 --- Insure when <= 282 cards remain --- TC ref = +3.32
Running count = +19 --- Insure when <= 284 cards remain --- TC ref = +3.48
Running count = +20 --- Insure when <= 285 cards remain --- TC ref = +3.65
Running count >= +21 --- 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 <= 42 cards remain --- TC ref = +2.48
Running count = +3 --- Insure when <= 64 cards remain --- TC ref = +2.44
Running count = +4 --- Insure when <= 87 cards remain --- TC ref = +2.39
Running count = +5 --- Insure when <= 109 cards remain --- TC ref = +2.39
Running count = +6 --- Insure when <= 131 cards remain --- TC ref = +2.38
Running count = +7 --- Insure when <= 153 cards remain --- TC ref = +2.38
Running count = +8 --- Insure when <= 174 cards remain --- TC ref = +2.39
Running count = +9 --- Insure when <= 196 cards remain --- TC ref = +2.39
Running count = +10 --- Insure when <= 216 cards remain --- TC ref = +2.41
Running count = +11 --- Insure when <= 236 cards remain --- TC ref = +2.42
Running count = +12 --- Insure when <= 254 cards remain --- TC ref = +2.46
Running count = +13 --- Insure when <= 268 cards remain --- TC ref = +2.52
Running count = +14 --- Insure when <= 278 cards remain --- TC ref = +2.62
Running count = +15 --- Insure when <= 284 cards remain --- TC ref = +2.75
Running count = +16 --- Insure when <= 286 cards remain --- TC ref = +2.91
Running count = +17 --- Insure when <= 288 cards remain --- TC ref = +3.07
Running count >= +18 --- Always insure

Summary (True count approximation for 2 card hands)

L-L --- Insure if TC >= +3.2
L-M --- Insure if TC >= +3
L-T --- Insure if TC >= +3.3
L-A --- Insure if TC >= +2.8
M-M --- Insure if TC >= +2.8
M-T --- Insure if TC >= +3.1
M-A --- Insure if TC >= +2.6
T-T --- Insure if TC >= +3.4
T-A --- Insure if TC >= +2.9
A-A --- Insure if TC >= +2.4