Under the affordable care act, the individual mandate:

This act requires most Americans to have health insurance or pay a tax penalty

Explanation:

following type of cultural development caused people to want and buy new products on the market :

the conditions that made the byzantine empire vulnerable to attacks by the muslin turks were the sack of constantinople by western crusaders, the conquests of the sultanate of rum, presence of rival kingdoms and finally the set up of fiefdoms at the empire which were owned by the ghazis (turkish warriors).