These are a LOT more expensive than your Huffy, but designed, not copied from other bikes. Now Terry says her bikes are designed for Women for women have smaller arms and legs compared to men (This ha ben shown to be incorrect but more of that later). Thus Terry designed her bikes with a shorter distance between the seat and handlebars (Which requires the use of two different size wheels, a 700 cc in the back and a 24 inch in the front).
Most bikes are designed for men. Men's center of gravity is in the middle of his chest. This is due to muscle being four times the weight as fat in the same volume (and ten times the weight in nerve endings). Thus your head is relativity light compared to the rest of your body (You have your skull which is quite heavy but the brain is quite light in weight).
While men have more muscle than women, women have the single biggest muscle in Humans, the muscles to push out a baby when you give birth. The significance of this (Beside a women's curves) is that the center of gravity for women is two inches below her belly button. Thus when a man is on a bike his center of gravity is between the seat and the handlebars and he can move the bike as he himself moves. Women on the other hand given the same bike feel "top heavy" (They center of Gravity is up in the air on the seat). Thus Terry's observations that women have "Shorter Arms and legs" while not correct, provides a more upright position for women and thus a better ride for women. In effect while the theory is wrong, the effect is correct.
Recumbent are another solution for you end up setting on your center of Gravity. Some of these are better designed than others. Terry designs a nice bicycle.
For more on the Terry:
http://www.terrybicycles.com/