Would be a great idea, but NO, nothing like that exists, right now.
COBRA helps, but that is a complicated law that requires the group plan to make continued coverage available for some time after you leave employment.
Sort of like Reinsurance, like where an insurance company takes out insurance in case it is deluged by claims, say in case of a Hurricane.
Never had this problem, but why is it it that COBRA cannot allow the continuation of coverage if the employee agrees to pay in advance a premium for the same or less coverage, say an ammount equal to the employer’s share ?