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A correctly installed air filter will fit snugly in its compartment. One that’s too thick or big won’t lie smoothly, and it can block the airflow, sometimes resulting in strange noises. A filter that’s too small or improperly fitted may move around in the compartment, resulting in strange humming or vibration noises. Poor fitting can eventually cause a buildup of dirt in the HVAC ductwork, and reduced indoor air quality can lead to sneezing or excess dust on your surfaces.

Avoiding regular HVAC maintenance can lead to significant problems and higher costs over time. Without proper care, your system has to work harder, resulting in increased wear and tear, reduced performance, and more frequent breakdowns. This inefficiency leads to higher energy bills as the system consumes more energy to heat or cool your home.

Key components like condensate lines, evaporator coils, and motors require regular cleaning and lubrication to function correctly. Neglecting these tasks can lead to critical problems and costly repairs. Over time, unattended issues can cause permanent damage, potentially requiring you to replace the entire unit much sooner than expected. Additionally, skipping maintenance can negatively impact your indoor air quality.

In-home air purifiers really do work. However, their value depends on what you're trying to achieve. Mechanical air filters other than those with true HEPA filtration aren't capable of removing bacteria and viruses from the air. However, many of them can reduce very fine particles, including pollen, a known allergen. On the other hand, UV light filters can remove harmful pathogens but can't remove particles.  

Air filters with a high MERV rating, 11 or above, shouldn't cause airflow problems in most residential systems. However, the airflow can be restricted in some HVAC systems if they aren't designed for high MERV ratings. If in doubt, a local duct installer should inspect your ductwork so that you know what your system can handle.