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