For every possible card combination that you and the dealer could have, there is an optimal strategy that will minimize your losses over a long period of time. This strategy, known as basic strategy, lays out every given scenario in Blackjack, along with whether you should hit, stand, double down, split, or surrender. Though not shown in the table, basic strategy recommends to NEVER take insurance. From a statistical standpoint, insurance is never worth it and will only increase the amount of money you will lose in the long run. Below is a table that lays out every possible hand that you and the dealer could have, along with what play you should make in that situation.