To be terrified that private health insurance will become unaffordable

Just use the NHS like the vast majority. It’s better than private when it comes to serious or long term conditions.

Unless she has ongoing conditions etc. that's really high. I pay around the £60 mark for me and my daughter and I'm double your daughter's age.

I'm similar to yourself, I prioritise health care over other luxuries like cars etc. but sadly it is just that, a luxury. If she has no pre-existing conditions and she works it maybe worth seeing if she can get health insurance through work, or she will have to pay for her own insurance from now on.

£97 is a lot. I’m 15 years older, have full London cover / cancer cover etc… and I only pay £90. I’m moving to AXA for the same cover and it’s lower still. Is your excess very low? Increase the excess and look at other providers.

At the moment, health insurance isn't a requirement - so there's no incentive for firms to keep it affordable or provide a basic affordable option. Maybe in time that will become the case (I hope not, for various reasons), but at the moment it's a luxury only available to those who can afford it, because healthcare is still available to us all free at the point of use. Now I know it can be bad for certain things, but it is there, and not all bad - it does depend on area and complaint, of course, and it's a crying shame this isn't being fixed. With a 20 year old I'd wonder you'd be better paying out of pocket for further investigations privately for things you think the NHS aren't taking seriously, rather than just having coverage all the time: i.e. things that are affected by consultant waiting lists.

But this means you've got three options: keep paying it, get your DD to pay it herself (as she's an adult now, she may well choose not to spend that money), or stop paying for it. Some jobs do offer a measure of health insurance now, too, so it's worth her keeping an eye out for that when looking for/changing jobs.

Assuming she’s fit and well, that’s very high for a 20 year olds policy.

Also health insurance for a healthy 20 year old is probably a waste of money. I’m a fairly big advocate for health insurance for those who can afford it, but the chance of her having an issue that would also be covered by a the policy is very very low.

The majority of people in the UK don't have health insurance

None of my family do and we are all still fit and well

I can't imagine that many 20yo have it so I think YABU