Pro HVAC company Southern Comfort Mechanical says on its blog, “If there’s mold growth inside the handler due to excess moisture, algae in the condenser drain line or a dirty evaporator coil, it can negatively impact your AC unit’s efficiency. The filters inside may also build up excess dirt and become clogged, which will also make your AC [or heat pump] waste energy trying to sustain the cool climate inside your home.” These issues are easy to solve. They don’t require replacing the air handler.
1. Ducts need cleaning mostly because they were not installed properly. There should be regulatory inpection and approval of clean and proper duct works on new houses. I was extremely unpset when I looked and found significant amounts of construction dust in parts of the ducts in my new house. There is apparently no way to hold the bullder to be responsible for clean ducts.
Your HVAC unit and air ducts deliver heated or cooled air throughout your home year-in and year-out. The air your HVAC unit produces travels through your ductwork and heats or cools your home via the air vents in each room. The dust and other particles in your home’s air are known as particulate matter, which the EPA defines as "a complex mixture of extremely small particles and liquid droplets." The EPA also notes that "particle pollution is made up of a number of components, including acids (such as nitrates and sulfates), organic chemicals, metals, and soil or dust particles." Having clean air ducts means fewer of these particles moving through your home. If you remove your furnace filter and hold it up to the light, you can probably see several hundred of these minuscule particles floating in the air. 
All of the products discussed above are registered solely for the purpose of sanitizing the smooth surfaces of unlined (bare) sheet metal ducts. No products are currently registered as biocides for use on fiber glass duct board or fiber glass lined ducts, so it is important to determine if sections of your system contain these materials before permitting the application of any biocide.
Duct system installation and repairs affect HVAC installation cost. If you’re installing a new forced air heating or cooling system, your home must have ductwork – if you don’t have ducts installed, a new duct system will need to be designed and installed. Your existing duct system may require air sealing to eliminate air loss, helping your new heating and cooling system operate efficiently.
If you’re purchasing from a big-box store, you can expect to pay approximately $120-$1,000 for a window unit. Window units are appealing for their quick setup and relatively low cost, but they can use more energy over time than central air and only cool the room in which they’re installed. The price will vary depending on the type of air conditioner you buy and its cooling capacity. Window units, which require minimal installation, are one of the most affordable options on the market. Portable air conditioners don’t have the cooling power of a window unit, but they do have the perk of being transportable from room to room. Expect to pay between $225 and $800 for a portable air conditioner, on average. The cost of an air conditioning system with coils, condenser and line (not including installation or ductwork) can range from approximately $2,000 to $4,000 or more. If you don’t have (and don’t want to put in) ducts, a ductless mini-split air conditioner is a good option, although pricey up front. Pricing can range from $650 to $4,250 per unit on average; you’ll need one unit for each room in which you want temperature control.
"Customer service was great, and the price was in-line with other places, and fast service. We had a whole replacement of the outside and inside. I would have liked to see a better install for the furnace and new thermostat - the new thermostat should have gone where the old one was, and even tho the new furnace was a tight fit, they didn't offer to come back and repair the case molding, or give me a discount on the damage done, and I believe they should have put a disconnect box on the outside of the home, to make it easier for any future repairs needed. Other than that, am very happy with the cooling and heating!"
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