I've taught at both the high school and the community college level (now tenured at the university level). CC is not as different from HS as a university, but it is very different.
At many CC's, though, you clock in at 8:00 am and clock out at 5:00 pm (sometimes literally), five days a week. So the hours may well be longer than at a high school. Basically, check into any schools you're interested in; the cultures and expectations vary wildly. But there will definitely be health insurance as long as you're not an adjunct.
The lack of a Ph.D. will (sometimes) keep someone off the tenure track, but not from a full-time lecturer position. In some fields with a real glut of PhDs, the competition may be fierce enough to exclude many people with masters degrees, but economics is not one of those fields. I've worked with many masters-degreed lecturers, at everything from that CC up to and including two different R1 institutions.
OP, if your interest is health insurance, you don't want to be an adjunct ( that's part-time). But something listed as 'instructor," "lecturer," or "visiting professor" (sometimes listed as VAP) is worth a look.
