As a former pool/spa tech you can run your filter 1 hour before -during-and 1hour after you swim. 2 hours on non swim days as long as your chemicals are within the correct readings .
Just remember that we pay less in WNY than the west coast!! they pay a dollar or more per KWH than we do. I know a fellow reefer local to me that has a elec bill at least 100$ more than mine and we run about the same in reef equip. However I have a hot tub and central air added on top. (he doesn't) so.. who knows?!? I'm baffled @ the elec co charges. (estimations are horrible)
Though it may be less expensive here than in the west it is twice as expensive as some places in the south. Always baffles me since we generate a lot of electricity from the upper niagara. Even more frustrating because we are forced to pay higher gas bills for heating to protect their pumps until they pull the ice boom in the spring.