Looking update home heating/cooling systems due to age

Getting ready to retire next year 2022, i live in the eastern end of Pa. near Allentown Pa. have a Bi-level single home built around 1975 which is all Electric has electric baseboard heat with an add on central air unit in the attic-crawl space, i think the unit is nearing the end of it's useful life, want to update to a heat pump to heat and cool this house and due it before i retire, to try to cut down on the heating costs in the winter. in a bi-level the lower level is harder to keep warm since the heat wants to rise and the lower level only has 1 small air vent so i not sure if this would be a good move, looking for information thoughts about this .
wanted to add where i live there is no natural gas service, either electric or fuel oil i do not where a hot air furnace would fit in my home.