WOODBURY - The Obama administration is celebrating a huge victory after the Supreme Court upheld the president's health care overhaul, a major issue that's been hotly debated for years. But despite all the discussion and punditry, many Americans say they're unsure what the health care overhaul will mean for them. Here are some of the main provisions of the Affordable Care Act: -Virtually all Americans must have health insurance by 2014 or face a tax. In 2014, the average tax will be $285 per uninsured adult or 1 percent of family income, whichever is more. By 2016, when the law is fully in place, the tax will increase to $695 per uninsured adult or 2.5 percent of total family income. The tax will help offset the costs of providing coverage to every individual. -Millions of middle class Americans will be eligible for tax credits that can be used to pay for health coverage. States will have to set up health insurance exchanges by 2014 so residents not already insured can purchase affordable coverage and an additional safety net will be set up so to cover the lowest-income families. -The law eliminates co-payments for preventative care.-Children across the country will be covered under their parents' insurance until age 26 (although New York already has a comparable law that allows parental coverage until age 29). Children under age 19 will not be denied benefits because of a pre-existing medical condition, and starting in 2014, it will be illegal for insurers to exclude or limit coverage for anyone due to a pre-existing condition. -Gov. Andrew Cuomo says the law will help provide medical coverage to about 1 million New Yorkers. There could still be changes on the way, however. Republicans have already vowed to repeal the Supreme Court's decision, and Mitt Romney said today that if elected, he'd repeal the health care law on his first day in office.High court upholds key part of Obama health lawPresident Obama's remarks on Supreme Court's health care decision