Strategies for Reducing SPF Expenses using Flexible Spending Account funds this season
Top 20 FSA-Eligible Sunscreen Products for Summer Protection
The world of SPF skin care can be overwhelming, but with the right guidance, finding the perfect sunscreen for your needs has never been easier. Here's a list of 20 FSA-eligible sunscreen products to help you get started.
FSA Eligibility Requirements
To be FSA eligible, sunscreen products must meet the FDA's standards for broad-spectrum coverage and have a minimum SPF of 15. These criteria ensure that the sunscreen protects against both UVA and UVB rays, making it an essential medical expense.
1. Banana Boat Sport Ultra SPF 50 Lip Sunscreen
This colorless lip balm not only nourishes and moisturizes lips, but it also provides effective sun protection.
2. Vacation Classic Whip Sunscreen
A whipped cream-style SPF 30 lotion with a signature scent, this sunscreen is a great option for those who prefer a lightweight texture.
3. Murad Multivitamin Clear Coat Broad-Spectrum SPF 50
Highly-rated by both experts and consumers, this face sunscreen reduces dark spots and uneven skin texture. It's also suitable for use on the body.
4. Alba Botanica Sport Sunscreen Lotion SPF 50
An affordable drugstore option recommended by board-certified dermatologist Dr. Marisa Garshick, this sunscreen is a great choice for those on a budget.
5. Supergoop! Unseen Sunscreen SPF 40
An editor and expert-loved sunscreen, Supergoop! Unseen Sunscreen is lightweight and leaves no white cast on the skin.
6. Supergoop! Play Everyday Lotion SPF 50 Sunscreen
A water-resistant sunscreen suitable for both face and body, this product is favored by experts and the article's staff.
7. Neutrogena Beach Defense Sunscreen Spray SPF 70
Recommended by board-certified dermatologist Dr. Dara Spearman, this water-resistant sunscreen spray offers high protection against the sun.
8. Coola Organic Scalp Spray & Hair Sunscreen Mist with SPF 30
Protecting the scalp from sun-related damage, this product fades to color-treated hair, making it a great choice for those with hair concerns.
9. Sun Bum Kids Clear Face Stick Sunscreen SPF 50
A handy sunscreen stick suitable for children and those with sensitive skin, this product is easy to apply and carry around.
10. Colorescience Total Protection Face Shield Flex SPF 50
Recommended for those with redness, melasma, or anyone who wants to even their skin tone, this tinted sunscreen provides effective protection with a natural finish.
11. Coppertone Pure and Simple Sunscreen SPF 50
A mineral sunscreen formulated with zinc oxide as its sole active ingredient, this product leaves a white cast but is easy to rub into the skin.
12. EltaMD UV AOX Mist Mineral Sunscreen Spray SPF 40
A mineral sunscreen spray favored by celebrity aesthetician Ian Michael Crumm, this product is a great choice for those who prefer a spray application.
13. Burt's Bees Calming Day Lotion SPF 30
An after-sun lotion that nourishes skin with aloe rice and milk, this product is perfect for soothing sun-exposed skin.
14. Blue Lizard Sensitive Mineral Sunscreen SPF 50
A derm-approved mineral sunscreen, this product is suitable for those with sensitive skin.
15. Eucerin Sun Clear Skin Face Sunscreen SPF 50
Recommended for acne-prone skin, this matte-finish sunscreen is enriched with skin-fortifying antioxidants.
16. Shiseido Clear Sunscreen Stick SPF 50
A clear and lightweight stick sunscreen, this product is perfect for easy reapplication throughout the day.
17. Innisfree Daily UV Defense Invisible Broad Spectrum SPF 36 Sunscreen
A hydrating, under-$20 sunscreen option from Korean skin care brand Innisfree, this product is a great choice for those on a budget.
18. Ultra Violette Supreme Screen SPF 50 Facial Sunscreen Moisturizer and Primer
A favorite sunscreen for those with dry skin, this product provides effective protection while hydrating the skin.
19. Isdin Eryfotona Actinica Mineral Sunscreen SPF 50
Recommended particularly for those with mature skin, this ultra lightweight sunscreen offers effective protection against the sun's harmful rays.
20. La Roche-Posay Anthelios Melt-In Milk Sunscreen SPF 100
A heavy-duty sunscreen recommended by two experts, this product offers high protection against the sun.
With summer approaching, now is the perfect time to stock up on these FSA-eligible sunscreen products to ensure effective protection against the sun's harmful rays. Remember, FSA funds typically need to be used by the end of the calendar year, so don't delay!
[1] Source: IRS Publication 502, Medical and Dental Expenses, and FDA's Over-the-Counter Sunscreen Drug Products for Sunburn Prevention Guide.
The diverse range of sunscreen products, all FSA-eligible, extends to the realm of health-and-wellness, as sun protection is an essential aspect of skin-care, playing a vital role in preventing skin damage and promoting overall health. With the list of 20 FSA-eligible sunscreen products above, you can now make an informed choice and ensure effective sun protection this summer. Be sure to utilize FSA funds before the end of the year, as set guidelines require their use by then.
