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.
Concrete Blocks -- Concrete blocks are used in foundations and are often found in full basements. Insulating the spaces in the blocks is not the way to insulate them as the heat energy will travel along the concrete itself. The best way to insulate with concrete blocks is to use insulated concrete blocks, which have polystyrene incorporated into them.
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Central, "all-air" air-conditioning systems (or package systems) with a combined outdoor condenser/evaporator unit are often installed in North American residences, offices, and public buildings, but are difficult to retrofit (install in a building that was not designed to receive it) because of the bulky air ducts required. (Minisplit ductless systems are used in these situations.) Outside of North America, packaged systems are only used in limited applications involving large indoor space such as stadiums, theatres or exhibition halls.
In addition to the information below, see these two articles for the general care and maintenance of your air conditioner: Preparing Your Air Conditioner for Summer and How to Replace Furnace & AC Filters. Most noteworthy, you should replace the filters at least twice a year, before the heating and cooling seasons. For information on furnace problems, please see Furnace Not Working.