Basic Strategy was created and then tested to give players the best play possible for the hand that they are dealt against the dealer’s up card. And while this does not mean that you will win every time you play according to basic strategy, you will tend to win more in blackjack.
This is because basic strategy has taken into consideration the cards that dealers are more likely to bust on and which ones they are less likely to. This explains why you stand on stiff hands when faced with anything below a dealer’s 6. Those cards, 2 through 6, are the ones the dealer is more likely to bust on. This does not mean that they will but the chances are higher with a 6 than with a 10.
By playing blackjack according to basic strategy you can lower the house edge to about 0.05%. This happens over time. And some blackjack players feel that once they are winning more that they need to protect their strong hands against a dealer’s Ace.
Not only is the Ace the least likely card a dealer will bust on, it is necessary for having a natural blackjack. A dealer will offer you insurance.
As a basic strategy player you should decline.
Insurance is essentially a side beat that casinos have in blackjack that can help to not only increase their profit, but to also raise their edge. This is because the chance of winning versus the chance of losing creates, on average, an edge increase of 7%. And it is in the house’s favor.
Taking insurance has the potential to undo the work you have done to lower the house’s edge in blackjack to 0.05%. That impact has the potential to lower the house edge to below what the average blackjack game’s house edge is to begin with.
Most blackjack games will have an average of 2-5%. If you play basic strategy and lower the house edge to 0.05%, taking insurance will bounce the edge back to the house around 6.5%, which is likely to be worse than where you started.
When you are playing basic strategy never take insurance. If you watch you will see that serious players will not take it. And if they are not then neither should you.
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