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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.

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.

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.

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.