This is very true, very on track, and perhaps the first thing to look for (and worth an upvote by itself). Job #1 is to find one or preferably two very good affordable safeties that are good universities for an undergraduate premed students.
Fortunately there are a very large number of universities that are very good for premed students, and that are also very good for former premed students who decide to do something else.
If you look at students at very good medical schools, or at other biomedical-related graduate programs, you will find that they come from a huge range of undergraduate universities. What a student does it going to be way more important compared to where they do it.
As I understand it, BS/MD programs are all very tough for admissions. Medical experience is an important part of gaining admissions to these programs. I would think of all of them as reaches.
The more traditional route of first getting a bachelor’s degree and then applying to medical schools seems more likely.
As long as medical school remains a realistic option, you should budget for a full 8 years of university, and you should expect the last 4 years to be expensive. I would also recommend avoiding debt for your daughter’s bachelor’s degree if you reasonably can.
Also you have many very good in-state public schools which are very good for premed students, and which are also very good for students who start off thinking premed but who end up doing something else. As one example UC Riverside has a very good medical school. I would look at the school closely, and would be very likely in your situation to include an application as a very good university that is very likely to provide an affordable option. That does not mean that your daughter will go there, but come March or April it is nice to have a very good affordable option in hand.
And the large majority of students who start off intending to be premed do end up doing something else. There are lots and lots of options, some of which are related to medicine (such as biomedical research) and some of which are not. With this in mind…
Doctors sometimes participate in research, and research can also help with medical school admissions. However, another option is to go into medical-related research. One daughter is currently studying for a Phd in a biomedical field, and this is an option that your daughter might want to at least think about. Fortunately the undergraduate classes overlap a lot. However, the type of experience that a student gets while they are an undergraduate student can vary. It is possible for a student to get a bit of experience both ways (medical and research) while an undergraduate student and then decide which way they want to go. It sounds like your daughter already has a good start on this.
A student who is thinking “premed” should be cautious about taking courses at community college unless they are able to get good grades in these classes. These classes will be considered when applying to medical school. On the other hand, with a 3.94 overall GPA, it sounds like your daughter is maintaining very good grades in college courses.
She should expect some premed classes to be tougher when she gets to university.
This should be possible. The most obvious example would be your in-state public universities. The more that you can save the better, whether to use to help pay for an MD or DO program or to help pay for some other graduate program.
And it is important to find schools where your daughter feels comfortable. Visiting a few schools and getting tours and if possible talking to students and professors can be very helpful.
To me it sounds like your daughter is doing very well.