<prompt> Translate the following text to SwahiliThe actual costs of health care are not transparent, and third-party payers generally insulate consumers from the cost of health care decisions.  <response>: Gharama halisi ya huduma za afya si wazi, na wafadhili wa tatu kwa ujumla huwazuia watumiaji kutoka kwa gharama ya maamuzi ya huduma za afya. 