I agree with trying to raise your ACT if possible and probably not doing ED so you can compare financial offers in the end. You seem to not have much understanding of how your parents’ savings will impact the financial aid offered, and since all colleges will do their own calculations, you don’t know who might give you the best offer. Even if you do get offers of acceptance from multiple very selective colleges, the range in what they offer for financial aid could be significant. You’ll likely want to save as much of your parents’ savings for med school if possible.
Based on the interests you described, types of schools you like, and your plan of pre-med, I would look more closely at Vassar. You would still likely benefit from raising your test scores, but you will have a better chance of acceptance at Vassar since you are male. Also, they are known for being generous with financial aid.