Sleep duration moderates the association between insula activation and risky decisions under stress in adolescents and adults

•Sleep protects against poor decision-making under stress.•More sleep yielded greater insula activation and less disadvantageous risk taking.•Longer sleep related to more functional insula-DLPFC coupling under high stress.

Insufficient sleep has been associated with increased risk-taking and poor decision-making, enhanced physiological responses to stress, and attenuated anterior insula (AI) activity to risk. The AI has also been linked to risky decision-making under acute stress. However, it is yet unknown how naturalistic sleep habits affect risky decision-making and AI activity when individuals feel stressed. In the current study, a daily diary approach was used to document participants' daily stress. Adolescents and adults reported their recent sleep duration and completed two fMRI visits during which they performed a risky decision-making task: once each when they endorsed a high and low level of stress. Results revealed that, regardless of age, individuals who reported receiving more sleep took fewer non-advantageous risks during high stress relative to those who reported receiving fewer hours of sleep per night while sleep duration was not associated with risky behavior under low stress. Among individuals who reported less sleep, those who exhibited reduced AI activation during risk-taking under high stress also took more disadvantageous risks whereas this effect was attenuated for those who reported longer sleep duration. Moreover, longer sleep duration was associated with greater functional coupling between the AI and dorsolateral prefrontal cortex (DLPFC) under high stress whereas sleep duration was not associated with AI-DLPFC functional coupling under low stress. These findings suggest that naturalistic sleep duration may amplify the effects of daily stress and alter risky decision-making behavior through interactions with the AI.