Also, if you want to shift the tax burden for these benefits from employers to employees that should be reflected in a raise of both income and taxes for employees.
I think this position is a bit idealistic, since some level of State power is unavoidable and taxes will be levied whether or not we agree with them. (Unless you escape to a desert island)
So if the tax money is real and the consequences of not paying are real, then I expect something from the government in return!
(I do agree that State power needs to be kept in check.)
http://www.raikoth.net/libertarian.html#coordination_problem...
For that to work for things like disability insurance, you'd need the same sort of mandate that's so controversial with the US ACA. The system doesn't really work if you buy benefits like disability only if you see a particular need for them. The 20-somethings need to buy them too whether they want to or not--or the system doesn't work.
I'm not sure why 401-Ks are so tied to individual employers.