(AP) – UnitedHealth Group Inc. will close much-criticized databases health insurers use to set payment rates and help launch a new one to settle a fraud investigation, which could help millions of patients pay less for "out-of-network" care. The Minnetonka, Minn.-based health insurer has agreed to pay $50 million to establish the new database, which will be run by a nonprofit organization like a university, according to a deal ironed out with the New York attorney general's office. The new database will replace two run by UnitedHealth's Ingenix Inc. subsidiary that are used to determine "usual and customary" payment rates for care patients seek outside their insurance network. Insurers often promise to cover as much as 80 percent of these rates for claims from providers outside their network, according to the attorney general's office.