No. Many states have implemented tort reform. California has had it for over 10 years. There are no big malpractice awards, yet no one has ever had their insurance rates go down, and malpractice insurance costs just as much there as anywhere else..
I guess they somehow think that taking away our right to sue for damage caused by incompetence or negligence is a good thing. Funny how Republicans are OK with taking away rights when it suits their agenda, and their followers are with them. Don't they realize that someday they may be in the position of being crippled for life my a bad doctor?
If you value your rights, don't take rights away from others.
The estate planning attorney may have offered feasible suggestions but not palatable ones. If you jumped through the proper hoops you could give your son the house but the use of unified gift tax credit may may have an effect on estate tax. He would also take title with your basis instead of the stepped up basis he would get as an heir. Unless the trust can borrow the money, you are out of options.