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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.

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.  

If you don't regularly change your HVAC air filter, it will become clogged with dust, dirt, and other contaminants. This blockage forces the system to work harder to circulate air, leading to several negative consequences. You may experience higher energy bills, poor temperature regulation, reduced air quality, and slower system performance. Over time, this added strain can cause parts to break more frequently, lead to system failure, and ultimately shorten the lifespan of your entire HVAC unit. In some cases, it can also contribute to health problems. It's recommended to change the filter at least every three months.

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.