It is really difficult to answer without looking at the whole house. I think you should look up an energy rater and schedule an evaluation. It is an investment, but they can tell you what how to get the most bang for the buck if you need to spend any money.

I guess I am wondering if my electric bills are normal and does it make sense to upgrade. I see things like 2 stage compressors, Variable speed fans, dehumidifiers and the use of different freon products and not sure if I will see much if any reduction in my electric bills.

ionized, how much does an energy rater charge?

Going to a two stage system with a variable speed air handler when you have a working system now that probably has half its service life left will not save you any money.

Instead, you will be deeply out of pocket.

No one can tell if your electric bills are high or low with the information that you have supplied. What temperature is your thermostat set to?

Here are the programs during the week day
Program one temp 78 at 6am
Program two temp 85 at 8am
Program three temp 80 at 6pm
Program four temp 77 at 11pm
Sometimes I bump down the temp to 77 around 9pm
On Sat and Sun we set the temp to 80 deg during the day and 77 at night
The humidity in my house is usually between 40 to 50% depends on the outside humidity.