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Yes, a dirty air filter can cause a higher electric bill. That’s because clogged filters make it harder for air to flow through your HVAC system, which forces it to work harder and use more energy. According to the U.S. Department of Energy, replacing dirty filters can save you between 5% and 15% in utility costs.

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.  

According to the Centers for Disease Control and Prevention (CDC), no single water filter or treatment system can remove 100% of contaminants. To find the best filter for your needs, first determine which impurities are most important for you to remove. For example, reverse osmosis (RO) filters are highly effective at removing a wide range of contaminants, including sediment, heavy metals, bacteria, viruses, dissolved salts, and chemicals. However, the RO process can also filter out beneficial minerals like calcium and magnesium. If eliminating bacteria is your main priority, a UV filter could be a suitable choice. Additionally, distilled water is considered the most pure form of filtered water available.

While an air conditioner can temporarily run with a dirty filter, it is not recommended as it will not work efficiently. A dirty filter forces the system to work harder to circulate cool air, leading to reduced airflow, increased wear and tear, and higher energy bills. This added strain can cause the air conditioner to overheat or fail prematurely. Furthermore, a clogged filter may allow dust and dirt to accumulate in your ductwork, negatively impacting air quality. It is more cost-effective to clean or replace filters regularly than to pay higher utility bills and risk needing to replace the entire AC unit.