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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.

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.

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.

While you can run your HVAC system without an air filter, it isn’t something professionals recommend—especially not for an extended period. It can reduce indoor air quality, clog air ducts, and strain your system. This can lead to performance issues, higher energy bills, costly repairs, and a reduction in the system's lifespan.