I'd disagree on your stipulation Dr. Carson's solution isn't based on economics and efficiency. It struck me as two of the three legs of the stool.
The moral aspect comes from every individual now havng a policy based on their own morality.
I felt Dr. Carson emphasized this with the second point about being 85, & battling 6 diseases. What would a moral person do if accumulated health savings could be passed on to surviving heirs?