Insurance Heat... Only take even money?

[Bushie]

Is insurance ever a right call in NHC games? And if so, when (and why) is insurance a right call on those player hands but not on a player blackjack?

Of course. It just has an ever so slightly higher index (I can't remember the exact number) due to the amount of cards dealt in the round before the dealer draws their card/s. For practical reasons, it's the same as hole card games.

when (and why) is insurance a right call on those player hands but not on a player blackjack?

Which is where things can get complicated, because an ASC helps dramatically with insurance efficiency in NHC BJ. Say for example, theres three player hands against the dealer ace. You're using an ace-reckoned level 2 balanced count. The first hand is 21, the second is soft 17 and the third is hard 15. Say the TC is now +3 and there's exactly 2 decks remaining.

With an ace-reckoned count you have no idea of how many aces are left in those 2 decks. So you call even money on the natural, take insurance on the other two, hit the soft 17 for a hard 17 and hit the 15 for 20. The dealer flips an ace and you lose both insurance bets. They hit again for a 9 and get 21 total. You're actually down x number of units because of it.

Taking the above example, but now with an ASC that tells you that there are more aces than 10s left in the 2 decks. Insurance is now not profitable so you call even money on the 21, hit the soft 17 for hard 17 and hit the 15 for 20. Dealer flips an ace and a 9 for 21. You are now effectively only down one hand's worth of units because of it, rather than 3 hand's worth of units with insurance.

Flipping it over again, your ASC tells you that theres a deficit of aces to 10s in the 2 decks. The insurance index is met so you insure all hands with no even money call. But instead of the dealer flipping that surplus ace, they flip a surplus 10 for dealer BJ. You now effectively push all hands and lose nothing.

Sorry for the long-winded response. I'm nutting out some indices for composition dependant hands and trying to wrap my head around how an ASC factors into them.

[JamesonDetroit]

That all makes a bit of sense, but now I'm confused about two phrases in particular.

... Insurance is now not profitable so you call even money on the 21

... so you insure all hands with no even money call

If you're not insuring, then you're _not_ calling even money. Insurance on a player blackjack _is_ even money.
If you are insuring all hands, including a player blackjack, then an even money call is exactly what you did on that hand.

Right?