Q: I have been opting out of health care coverage because I am covered by my wife’s plan, but I plan to retire under the Federal Employees Retirement System in 2016 and want to take advantage of the post-retirement health care benefits. I will enroll during the upcoming open season, but I would like to know whether I need to enroll in self and family coverage in order to have coverage for my family after I retire, or if I can enroll in self coverage now and add family members after I retire. A: You can switch from self-only coverage to…