Doug - I assume you have ducts in your house for the heating/cooling, and not the "ductless" type system.
In your climate zone, you might benefit from a heat pump instead of separate heating and cooling systems. Gets way too cold to rely on heat pump systems for heating here in New England, altho' some folks use them until cold weather hits, then switch on additional heating (usually electric). Also, our electric costs around 20 cents per kwh, much higher than average USA.
I chose oil burner furnace with hydronic heating, as it's the cheapest way to go at present. Also chose window units for (rare) cooling, as I can cool only the room(s) I need, instead of shelling out the bucks to cool the entire house. Can't imagine how people afford heating/cooling for those 15 room McMansions that were popular years ago.
If you have a non-shaded side of your house that faces south, you might benefit from adding inexpensive passive solar heating. On sunny winter days here, I don't even use the furnace. The passive solar heat the first floor. Building the system cost me a whopping $25, and paid for itself in less than a month.
Do you heat with gas now? or oil, or ...?
Tom M.