Which SPF Is Right for Me?

Key takeaways:

Sun protection factor (SPF) measures how well the sunscreen shields you from UVB rays, which can cause sunburns and may contribute to skin cancer.
When choosing sunscreen, consider other factors in addition to SPF, such as skin type.
Combine sunscreen use with hats, sunglasses, and proper clothing to fully protect yourself from the sun.

We all know that too much sun exposure is harmful to your skin. But deciding how much and what kind of protection you need depends on many factors.

That's why we've put together an easy guide to help you choose the right SPF for your sunscreen. We’ll also explain which sunscreens are HSA eligible and how to use your HSA for sunscreen.

Read through to the end for tips on how much and how often to apply sunscreen.

Is Sunscreen HSA Eligible?

Yes. Sunscreens with an SPF of 15 or higher and with broad-spectrum (UVA, UVB) protection are HSA eligible. You can purchase eligible sunscreen and then reimburse yourself from your account.

Experts don’t recommend using sunscreen that’s below 30 SPF and not broad-spectrum. So most HSA-eligible sunscreens will offer proper protection.

You can browse HSA eligible sunscreens here.

What Does SPF Mean?

SPF stands for “sun protection factor.” It measures how well a sunscreen protects your skin against the sun’s UVB rays, which cause sunburn and are linked to skin cancer.

The SPF number indicates how long it would take the sun’s UVB radiation to redden your skin if you were using the sunscreen as directed compared to not using sunscreen. So an SPF of 50 means it would take you 50 times longer to burn if you were using the sunscreen versus not using it.

UVA rays (another type of ultraviolet ray from the sun) cause tanning but can also lead to aging and wrinkled skin. To protect against UVA and UVB rays, you’ll need a broad-spectrum sunscreen.

Understanding SPF Options

Here’s the percentage of UVB rays different SPFs block. Note that no sunscreen blocks 100% of UVB rays.

SPF 15 = 93%
SPF 30 = 97%
SPF 50 = 98%
SPF 100 = 99%

At a minimum, you should use a broad-spectrum sunscreen with at least a 30 SPF that’s water-resistant.

People who have a history of or high risk of skin cancer, genetic diseases such as albinism, or certain immune disorders may need a higher SPF than 50. Likewise if you’re hiking or skiing at high altitudes or vacationing near the equator.

Which SPF Is Right for My Skin Type?

To be sure, SPF is important when choosing a sunscreen. But it’s not the only factor to focus on. You also need a product that won’t worsen any skin conditions.

For oily or acne-prone skin, the Skin Care Foundation recommends looking for oil-free sunscreens, and ones that combine sun protection with ingredients such as niacinamide, which can help address acne.

Search for a moisturizing sunscreen that is "non-comedogenic," which means it will not clog your pores and cause acne.

For dry skin, try a sunscreen and moisturizer combo with ingredients such as shea butter or glycerin, which help keep your skin soft and hydrated. Another option is to find a sunscreen with hyaluronic acid, which helps your skin retain water.

If you have sensitive skin, shop for sunscreens with simple formulations—such as zinc oxide or titanium dioxide—which are less likely to irritate your skin. Avoid products with added fragrances, which can also aggravate skin.

Chemical vs. Mineral Sunscreens

Another factor that goes into sunscreen selection is sunscreen type.

Two different types of sunscreens help guard against UVA and UVB rays: mineral (physical) and chemical. Both types form a protective layer on your skin that absorbs the sun’s rays. But they differ when it comes to how quickly they start working, how they appear on your skin, and how they can affect your skin.

Mineral sunscreens, according to the American Academy of Dermatology Association, use active ingredients like zinc oxide and/or titanium dioxide. They’re visible when applied to the skin and start working immediately. They reflect the sun’s rays in addition to absorbing them.

Mineral sunscreens are typically a good alternative for people with sensitive or acne-prone skin and babies and toddlers. They are less likely to clog pores and cause allergic reactions, and the lack of chemicals makes them a good option for children.

HSA eligible mineral sunscreens include:

Chemical sunscreens use active ingredients like oxybenzone, avobenzone, and octinoxate. They’re clear when applied to the skin and need time to start working (usually about 30 minutes). Chemical sunscreens absorb the sun's rays and convert the rays to heat, which is then released from the skin.

HSA eligible chemical sunscreens include:

How Much and How Often Should I Apply Sunscreen?

Regardless of which SPF you’re using, apply sunscreen 30 minutes before going outside. Then reapply it every 2 hours while you’re in the sun and immediately after swimming or sweating.

Use about an ounce of sunscreen (roughly a full shot glass) on skin not covered by clothing. Don’t forget your feet, neck, ears, top of your head, and lips.

In addition to sunscreen, your sun protection routine should include:

Seeking shade when possible
Wearing clothing that prevents sun exposure, such as a broad-brimmed hat or UV protective clothing
Wearing UV-blocking sunglasses

In Summary

It can be overwhelming to walk into the sunscreen aisle and see so many different brands and SPF numbers on the shelves.

But when you’re shopping for HSA eligible sun protection, you only need to keep a few things in mind:

Broad-spectrum sunscreens with an SPF of 15 or higher are HSA eligible.
Experts recommend a broad-spectrum, water-resistant sunscreen with an SPF of at least 30.
Pick a sunscreen that’s right for your skin type.
Look for an SPF higher than 50 if you have a history of skin cancer or are at risk.

Looking for more ways to save with your HSA this summer? The HSA Store® staff have you covered.