Rural women in Central America face significant barriers in accessing health insurance, which leaves them exposed to both medical and financial risks. Preventive care and routine testing, such as screenings for reproductive health, cancer, or chronic conditions, are often prohibitively expensive. As a result, many women choose to delay or forgo care until illnesses become severe. Living in remote areas with limited health facilities further compounds these challenges, while informal employment and low financial literacy reduce access and awareness of formal insurance schemes. The result is a cycle in which treatable conditions escalate into costly emergencies, pushing families into debt while reinforcing long-term vulnerability.