Hvac peoples

We looked into same deal. Gov will cover $6500 towards heat pump(heats and cools). But you have to have backup heat. Our NG furnace is 14 years old and apparently beyond its half life. In order to qualify for the Grant, the furnace has to be on their "qualifying list" and of course ours isnt.
So in order to get "free" heat pump we would have to get a new NG furnace.
Our ac is over 35 years old...works but it's a huge hydro sucker.
Seriously contemplating what you are.
If your concern is ac, imo I wouldnt let it worry you. It's not like we live in Texas or Nevada.
Ps, same program will also help with new windows etc to improve efficiency of house.