Short-term health plans are not regulated by the Affordable Care Act at all. They are subject to various state rules and regulations, and some states do impose MLR requirements on short-term plans. These rules tend to be more lenient than the ACA rules that apply to regulated health plans, but there are some states that impose strict MLR rules on short-term plans. However, in states with strict MLR rules for short-term plans, there do not tend to be any short-term plans available. This is because the overall rules in those states are often unappealing to the insurers that market short-term health plans.