If you have natural gas go with a gas furnace and gas ON DEMAND hot water. The water thing is real savings.

After that a heat pump will save you a lot especially if your duct work is in already. The new ones are very efficient but you have to have it matched to your home requirements. Need to go with a solid company and not necessarily the cheapest and bids that have the same component quality.

Mine have been American Standard or Trane and loved them.
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Dazed and confused.............the fog is closing in