OBJECTIVE To evaluate the association between health insurance coverage and disease-modifying therapy (DMT) use for multiple sclerosis (MS). METHODS In 2014, we surveyed participants in the North American Research Committee on MS registry regarding health insurance coverage. We investigated associations between negative insurance change and (1) the type of insurance, (2) DMT use, (3) use of f...

Abstract Selling insurance gives insurers an incentive to manage insured risks. The “insurance-as-governance” literature demonstrates that often make conditional on ex ante risk reduction or mitigation. But governs in support of enterprise, not security for its own sake. Tight underwriting inhibits enterprise—not only businesses but also the business insurance. This paper highlights post loss a...