Why Insurance Bets Are Not Relevant When You Have a Hard 16

[Mike_25]

Insurance bets shouldn't distract you when holding a hard 16 against dealer's 10 in blackjack.Insurance bets have negative expectation,and going for it consumes your focus. Stick with your own best strategy;double down or stand, depending on the dealer's up card.The house edge's already small with a hard 16,so the insurance option won't actually improve your chances;it's a sucker's bet that benefits the casino more than the player. Focus on playing your hard 16 expertly instead.

 

[swift]

I think insurance bet allows you to lower your potential losses if the dealer has a blackjack. It is not relevant when you have a hard 16, as it is already a weak hand, and taking insurance will not change your odds of winning or losing the hand. Instead of taking insurance, it is better to follow basic blackjack strategy and either hit or stand, depending on the dealer's upcard.

 

[Lazza]

About 3% goes to the house in the insurance bet. The player loses when they place an insurance bet because the casino keeps a 3% payout discount even in cases where the payout ratio is 2 to 1.