· body sunscreens · 13 min read
Best HSA Approved Sunscreen: Top Brands and What to Look For
Find the best HSA approved sunscreen for your needs. Compare products, read reviews, and find the one that's right for you.
Sunscreen is an essential part of any skincare routine, and it's especially important to use a sunscreen that is approved by the HSA. HSA approved sunscreens are regulated by the FDA and must meet certain safety and efficacy standards to be eligible for reimbursement through a Health Savings Account. Look for sunscreens with active ingredients zinc oxide or titanium dioxide, which are both broad spectrum - meaning they protect against both UVA and UVB rays. It's also important to consider your skin type and any special needs you may have. Here are some of the best HSA approved sunscreens on the market:
Overview
PROS
- Broad-spectrum SPF 50 protection safeguards against UVA and UVB rays
- Specially formulated for active individuals, offering water and sweat resistance for up to 80 minutes
CONS
- Fragrance-free, making it less suitable for those seeking a pleasant scent
- 5.5 oz bottles may not be the most economical option for frequent use
Coppertone Sport Sunscreen Spray SPF 50 delivers reliable sun protection for active lifestyles, meeting HSA eligibility criteria. Its broad-spectrum SPF 50 shields your skin from damaging UVA and UVB rays, ensuring comprehensive protection during outdoor activities. The water-resistant formula, lasting up to 80 minutes, keeps you guarded even during vigorous exercise or water sports. Its non-greasy, spray-on application makes it effortless to apply, providing quick and even coverage.
While Coppertone Sport Sunscreen Spray excels in protection, it lacks a fragrance, which some may prefer for a more pleasant application experience. Additionally, the 5.5 oz bottles may not cater to those seeking a more economical option for extensive use. However, its HSA eligibility and effective protection make it a solid choice for individuals seeking reliable sun protection that aligns with their healthcare spending. Whether you're an avid runner, cyclist, or outdoor enthusiast, Coppertone Sport Sunscreen Spray SPF 50 offers a dependable and convenient solution for your sun protection needs.
PROS
- HSA approved, ensuring compliance with healthcare spending accounts
- Hawaii 104 Act compliant, meeting the state's strict sunscreen regulations
- Octinoxate and oxybenzone-free, protecting marine life and your skin
- Broad spectrum protection against UVA and UVB rays, providing comprehensive sun defense
- Moisturizing formula with Vitamin E, nourishing and hydrating your skin
CONS
- May leave a slight white cast on the skin
- Pump dispenser can occasionally malfunction
Sun Bum Original SPF 50 Sunscreen Spray offers a comprehensive solution for sun protection that meets the highest standards. Its HSA approval ensures compatibility with healthcare spending accounts, while its Hawaii 104 Act compliance guarantees adherence to stringent sunscreen regulations. By excluding octinoxate and oxybenzone, this sunscreen safeguards marine ecosystems and your skin's health.
Beyond its certifications, this sunscreen delivers exceptional sun protection. Its broad spectrum formula shields your skin from both UVA and UVB rays, preventing sunburn, premature aging, and skin damage. The moisturizing formula infused with Vitamin E nourishes your skin while protecting it, leaving it feeling soft and hydrated. Sun Bum Original SPF 50 Sunscreen Spray is an excellent choice for individuals seeking a reliable, reef-friendly sunscreen that meets their healthcare spending needs.
PROS
- HSA-approved, ensuring coverage under most Flexible Spending Accounts (FSAs)
- Broad-spectrum UVA/UVB protection, effectively shielding your skin from sun damage
- Lightweight, non-greasy serum formula that absorbs quickly without leaving a white cast
- Enriched with Vitamin E, providing antioxidant protection against environmental aggressors
- Fragrance-free and oxybenzone-free, suitable for sensitive skin
CONS
- More expensive than some other drugstore sunscreens
- May not provide sufficient hydration for very dry skin
Bask in the sun confidently with Neutrogena's Ultra Sheer Moisturizing Face Serum, your HSA-approved sun protection solution. This lightweight, serum-like formula glides on effortlessly, leaving no greasy residue or white cast. Feel empowered knowing that your skin is shielded from harmful UVA/UVB rays with broad-spectrum protection.
Enriched with Vitamin E, this sunscreen serum goes beyond sun protection, offering antioxidant defense against environmental stressors. Its fragrance-free and oxybenzone-free composition ensures compatibility with even the most delicate skin. Whether you're running errands or enjoying an outdoor adventure, Neutrogena Ultra Sheer provides reliable sun protection that aligns with your health savings goals.
PROS
- Broad spectrum SPF 45 protection
- Water resistant for up to 80 minutes
- Non-greasy, lightweight formula
- TSA-compliant travel size
- HSA approved for reimbursement
CONS
- May cause slight white cast on darker skin tones
- Not as moisturizing as some other sunscreens
If you're looking for a high-quality, HSA-approved sunscreen, Neutrogena's Ultra Sheer Dry-Touch Sunscreen Lotion is a great choice. This sunscreen provides broad spectrum SPF 45 protection, which is effective at blocking out both UVA and UVB rays. It's also water resistant for up to 80 minutes, so you can be sure it will stay on even if you're sweating or swimming.
The Neutrogena Ultra Sheer Dry-Touch Sunscreen Lotion has a lightweight, non-greasy formula that absorbs quickly into the skin. It's also fragrance-free and non-comedogenic, so it won't clog your pores or irritate your skin. Plus, it's TSA-compliant, so you can easily take it with you on your next trip.
PROS
- Broad-spectrum protection against UVA and UVB rays
- Lightweight and easy to apply spray formula
- Fast-absorbing without leaving a greasy feel
- Sweat-resistant and water-resistant for up to 80 minutes
- Free from oxybenzone and octinoxate, making it safe for sensitive skin
CONS
- May not be suitable for children under 6 months of age
- Contains fragrance, which some people may find irritating
Banana Boat Kids Sport Sunscreen Spray SPF 50 is an excellent choice for protecting your active kids from the sun's harmful rays. It provides broad-spectrum protection against both UVA and UVB rays, and its lightweight spray formula is easy to apply and absorbs quickly without leaving a greasy feel. The sunscreen is also sweat-resistant and water-resistant for up to 80 minutes, making it ideal for sports and other outdoor activities. In addition, Banana Boat Kids Sport Sunscreen Spray SPF 50 is free from oxybenzone and octinoxate, making it a safe choice for sensitive skin. It is also hypoallergenic and non-comedogenic, so it won't clog pores. Overall, Banana Boat Kids Sport Sunscreen Spray SPF 50 is a safe, effective, and convenient sunscreen that is perfect for active kids.
PROS
- Lightweight and non-greasy formula that feels comfortable even under makeup.
- Offers broad-spectrum protection against UVA/UVB rays with an SPF of 40.
- Suitable for all skin types and tones, without leaving a white cast.
- Transparent fluid dries down with an invisible finish that won't clog pores or cause breakouts.
CONS
- May be too sheer for some individuals seeking a more opaque sunscreen.
- Can be difficult to reapply (or not reapply!) due to its clear texture.
Supergoop! Unseen Sunscreen is a revolutionary product that provides comprehensive sun protection without the usual drawbacks of traditional sunscreens. With its invisible, weightless formula, this HSA-approved sunscreen is perfect for those who want to protect their skin without sacrificing comfort or style.
This sunscreen boasts SPF 40, ensuring broad-spectrum protection against harmful UVA/UVB rays that can cause premature aging, sunburn, and even skin cancer. Its sheer texture applies seamlessly under makeup and effortlessly complements all skin tones. Enriched with nourishing ingredients, Supergoop! Unseen Sunscreen maintains skin's health by keeping it hydrated, protected, and radiant.
PROS
- Provides effective SPF 30 protection against UVA and UVB rays.
- Smooth and hydrating formula enriched with aloe and vitamin E.
- Cruelty-free and vegan, ensuring ethical sourcing and production.
- Convenient variety pack offers multiple tubes for everyday use.
CONS
- Some users may prefer a higher SPF level for extended sun exposure.
- The consistency may be slightly thicker for those accustomed to lighter lip balms.
Sun Bum's SPF 30 Sunscreen Lip Balm offers a moisturizing shield against sun damage, shielding your delicate lips from harmful UVA and UVB rays. Its nourishing formula features aloe and vitamin E, leaving your lips feeling soft, hydrated, and protected. As a cruelty-free and vegan product, Sun Bum aligns with ethical and sustainable practices.
This convenient variety pack provides multiple tubes to keep you and your loved ones protected throughout the day. Whether you're tackling outdoor adventures or simply enjoying a relaxing day in the sun, Sun Bum's Every Day SPF 30 Sunscreen Lip Balm ensures your lips stay healthy and protected.
PROS
- Broad-spectrum UVA/UVB protection with SPF 50
- Oxybenzone-free formula suitable for sensitive skin
- Water-resistant for up to 80 minutes
- Lightweight, non-greasy lotion that absorbs quickly
CONS
- Can leave a white cast on some skin tones
- Scent may be too strong for some users
Hawaiian Tropic Everyday Active Lotion Sunscreen SPF 50 is a reliable choice for those looking for a strong, HSA-approved sunscreen with broad-spectrum protection. Its oxybenzone-free formula makes it ideal for those with sensitive skin or concerns about chemical sunscreens. The lotion is lightweight and non-greasy, absorbing quickly without leaving a sticky residue.
This sunscreen boasts a high SPF of 50, providing ample protection from both UVA and UVB rays. It's also water-resistant for up to 80 minutes, making it a great option for water activities or extended sun exposure. And because it's oxybenzone-free, it's a more environmentally friendly choice that meets HSA sunscreen guidelines.
PROS
- Protects against harmful UVA/UVB rays with broad-spectrum SPF 50.
- Water-resistant, offering up to 80 minutes of sun protection during water activities.
CONS
- May leave a slight white cast on the skin.
- Aerosol format can be inconvenient for some.
Experience unparalleled sun protection with Neutrogena Beach Defense Body Spray Sunscreen. Formulated to meet HSA approval standards, this sunscreen provides comprehensive broad-spectrum SPF 50 protection, safeguarding your skin against harmful UVA and UVB rays. Its water-resistant formula ensures up to 80 minutes of sun protection during swimming or water sports, making it an excellent choice for beach days.
Additionally, Neutrogena Beach Defense is oil-free, leaving your skin feeling refreshed and comfortable. Its fast-drying formula allows for quick and easy application, so you can enjoy outdoor activities without the hassle of greasy sunscreen. Neutrogena Beach Defense is the perfect companion for sun-seekers seeking reliable and convenient sun protection. Embrace the summer with confidence, knowing your skin is shielded from the sun's damaging rays.
PROS
- Provides broad-spectrum SPF 30 protection, safeguarding skin from harmful UVA/UVB rays
- Water-resistant formula endures up to 80 minutes of swimming or sweating
CONS
- Users with sensitive skin may experience slight irritation
- Does not contain some of the latest and strongest UV filters like newer chemical and mineral sunscreens
For those seeking a dependable and convenient sunscreen companion, Banana Boat Sport Ultra SPF 30 Sunscreen Spray Twin Pack seamlessly blends protection and practicality. Whether navigating intense sporting activities or simply basking in the sun's embrace, this sunscreen spray offers a protective shield against harmful UVA and UVB rays, minimizing the risk of sunburns and premature skin aging.
The water-resistant formula of Banana Boat Sport Ultra SPF 30 stands strong for up to 80 minutes, ensuring your skin remains safeguarded even during prolonged water activities or strenuous exercise sessions. Its lightweight formula absorbs swiftly, leaving no trace of a greasy residue and fostering a comfortable, protected feel. However, individuals with particularly sensitive skin may encounter a mild tingling sensation. Comparatively, this sunscreen may not measure up to the latest and most potent sunscreens, lacking some of the newest chemical and mineral UV filters. Nonetheless, Banana Boat Sport Ultra SPF 30 Sunscreen Spray Twin Pack remains a reliable choice for active individuals seeking effective and convenient sun protection.
When choosing an HSA approved sunscreen, there are a few things to keep in mind: - The type of skin you have. Some sunscreens are better suited for oily skin, while others are better for dry skin. - The level of sun protection you need. The higher the SPF, the more protection you will have from the sun. - The ingredients in the sunscreen. Some people may be allergic to certain ingredients, so it's important to read the label carefully. By following these tips, you can find the best HSA approved sunscreen for your needs.
Frequently Asked Questions
How do I choose the best HSA approved sunscreen for me?
There are a few things to keep in mind when choosing an HSA approved sunscreen: - The type of skin you have. Some sunscreens are better suited for oily skin, while others are better for dry skin. - The level of sun protection you need. The higher the SPF, the more protection you will have from the sun. - The ingredients in the sunscreen. Some people may be allergic to certain ingredients, so it's important to read the label carefully.
What are the best HSA approved sunscreen brands?
Some of the best HSA approved sunscreen brands include: Coppertone, Sun Bum, Neutrogena, Banana Boat, and Supergoop!
What are the benefits of using an HSA approved sunscreen?
HSA approved sunscreens are regulated by the FDA and must meet certain safety and efficacy standards to be eligible for reimbursement through a Health Savings Account.
What are the active ingredients in HSA approved sunscreens?
Look for sunscreens with active ingredients zinc oxide or titanium dioxide, which are both broad spectrum - meaning they protect against both UVA and UVB rays.
What should I look for when choosing an HSA approved sunscreen?
When choosing an HSA approved sunscreen, there are a few things to keep in mind: - The type of skin you have. Some sunscreens are better suited for oily skin, while others are better for dry skin. - The level of sun protection you need. The higher the SPF, the more protection you will have from the sun. - The ingredients in the sunscreen. Some people may be allergic to certain ingredients, so it's important to read the label carefully.
