Texas-based health insurer HealthMarkets Inc. will pay $20 million to at least 29 states to settle allegations it misled consumers and mishandled claims. The agreement resolves a multistate examination that insurance regulators started in 2005 because of many consumer complaints. The multi-state exam found problems involving disclosures to consumers, oversight and training of agents, claims handling, and complaint handling. Consumers complained they were mislead about what benefits were covered by their health policies