i also interview at albany earlier this season and was later accepted. it's funny - if you ask 10 different people for advice or about their experience, you'll get 10 different answers. here's mine - hope it helps. i had two 1-hour+ interviews. they were both very relaxed and conversational. this may have something to do with the fact that i'm an older applicant.
many other people interviewing on the same day cited the "ethics questions" that so many people speak of sdn. not that all schools are not interested in this, but i think albany wants to pride itself on turning out socially conscious doctors. to address this, they've incorporated an ethics program that all students take while there. thus the focus on ethics. i don't think that any school expects you to have perfect answers to these questions. rather, they want to see that you've thought about an issue, acknowledge multiple perspectives (even if you don't necessarily believe in them), and can logically support your particular stance on the issue. remember, there's a lot to learn or they wouldn't have the course. on the other hand, many seemingly "ethical" issues do have legal precedent. remember that as a doc you'll be holding a state license and need to abide by the law to keep that license. also - many of these issues are simply buttons. they're emotional. adcoms want to see if you are rational. they want to make sure that your personal beliefs are not going to contribute to harming a patient.
for some interesting reads on ethics - especially if you watch ER, UPenn's ethics department has (at least used to have) a website where their med ethics grad students post interesting/academic/legal essays about the issues that arise in NBC's ER. sorry, not sure of the link anymore though. it's worth searching for.
as far as not knowing about hmo's, well, you should know the basics about how the health care industry operates. albany has accelerated programs w/ 3 schools - union, rpi, and siena. albany has these programs so that they'll diversify their class. rpi people bring more of a science/research background. siena - i think service. union - public health or administration? not sure about the last two (i went to rpi), but you should figure out (before you get there) what albany wants from you with respect to union.
hope this helps. albany's a great school. most important thing for any interview is to know yourself and to relax. doctors need to operate under pressure. show them you can.
my last 2 cents - i would also strongly agree with one of the previous posters. i would do undergrad, then apply to med school. you might be really surprised where your life actually takes you four years from now. you may not want to be a doctor. you may not want to live in ny. you may want a break after undergrad before you go into medschool/internship/residency. it's early to be locking yourself into something. i took almost 10 years off between undergrad and medical school. looking back, i wouldn't have done anything differently. 14 years ago, i would never have guessed my life path to follow the one it did. then again, you may also want to be done w/ residency by the time you're 30.
best of luck.