Bugs are pretty much a given there - and most of Roatan since it's a tropical jungle island. Anywhere there's standing water something is likely to breed. AKR is waterfront but just a mile or so inland from there is the rain forest. It's the only island I've visited in the Caribbean that I did the Mosquito Malaria protocol before and during....
I think the point about malaria protection is very important. We've been to Roatan twice, we didn't stay at AKR but we had lovely dive trips and we did follow the CDC's travel medicine precautions, see the link below.
We saw a travel medicine physician before we left and we were vaccinated for Hepatitis A and Typhoid and we took anti-malarial medication before, during, and after our trips. According to the CDC, Malaria is "Present throughout the country and in Roatán and other Bay Islands. None in San Pedro Sula and Tegucigalpa." It is an awful disease and I wouldn't risk it, even if the chances are low.
If your health insurance doesn't cover travel vaccinations and medicines, check with your local public health department, sometimes they offer vaccines free or at a reduced price.
Dengue Fever also occurs in Honduras (although it is more common in the urban areas) but we used repellent and took care to avoid insect bites as much as possible.
We also avoided undercooked and raw food and drank bottled water to prevent traveler's diarrhea and dysentery, especially when eating away from the resort.
It sounds like a lot but it really wasn't hard. Get a few shots and take a few pills, cover up and use repellent, and use common sense about food and water. Have a great trip!
Below are the CDC's travel recommendations for Honduras, including Roatan:
Health Information for Travelers to Honduras - Clinician view | Travelers' Health | CDC