Just got another rate increase at home and I am evaluating our system to see if an upgrade makes sense. We have a 13 year old Rheem forced air system. The furnace is NG that is 92% efficient and the a/c is a 10 seer. Will I really save much by going with a newer say 14-16 seer unit and making it a heat pump? Can this be done or do I need a new hair handler and /or coil? Electric is .099 per kwh and gas is $1.65 per ccf. Also would I be able to get any tax credits? I live in mid missouri.