If I do a HDHP next year and contribute to a HSA, what happens to my HSA if I want to go back to a LDHP the following year or a few years later?

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HSAs rollover year to year. You never lose your money. If you enroll in another plan (like a PPO or HMO) that is not a qualified high deductible health plan, you can use your funds in your HSA but you can no longer contribute to your HSA.

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Yeah of course!

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One point. If you open an HSA mid year, you can only contribute a prorated portion of the IRS max. If you contribute more, that can be OK, but you would need to be HSA-eligible for the duration of the following year. In other words, you couldn't join a HDHP in September, contribute the max $3,550 or whatever, and then go back to a non-HSA-eligible plan in January.

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