Are Sunscreen Filters Safe? A 2026 FDA Guide

By Eugene Kim, Co-founder & Product Lead, HAESKN. Former packaging design lead at Clinique (Estée Lauder Companies). Adjunct professor, Pratt Institute. Reviewed with Sherril HwangBo, Co-founder & Creative Director, former design director at LVMH (Moët Hennessy, DFS).

Published 2026-05-31.

Yes, the sunscreen filters allowed for sale in the United States are safe to use. The FDA regulates sunscreen as an over-the-counter drug and only permits filters with established safety records on the OTC market. The American Academy of Dermatology, the Skin Cancer Foundation, and dermatology guidelines worldwide all recommend daily broad-spectrum SPF use over avoiding it because of any individual filter.

That is the short answer. The longer answer is more interesting: not all permitted filters are equal in performance, "dermatologist tested" means less than people assume, and a meaningful change to the US filter list is being proposed right now. This is the 2026 read.

The short answer in a table

Question | Honest answer
Are FDA-permitted filters safe? | Yes, for general use
Are chemical filters more dangerous than mineral? | No. Both are FDA-permitted; risk profiles differ in detail
Is "dermatologist tested" a regulated claim? | No, it is a marketing phrase
Should I avoid oxybenzone or octinoxate? | Most people don't need to; some prefer to for personal or environmental reasons
Is the US filter list changing? | Yes. Bemotrizinol expansion was proposed in late 2025

For the longer "which one and why" decision, our Mineral vs Chemical Sunscreen guide walks through how each filter behaves on skin and under sweat.

What "FDA approved" actually means for sunscreen filters

Most US sunscreens are sold under the FDA's OTC monograph rather than via a per-product approval. That means the product has to use permitted active ingredients, follow testing standards for SPF and water-resistance claims, and label according to the Drug Facts panel rules (FDA OTC Monograph M020). The shortlist of permitted filters has been stable for years and is the same whether you buy a stick, a lotion, or a spray.

The currently allowed filters cluster into two families:

Mineral (also called physical): zinc oxide, titanium dioxide

Chemical (also called organic): avobenzone, oxybenzone, octinoxate, octisalate, octocrylene, homosalate, and a handful of others

Both families are FDA-recognized active sunscreen ingredients. Both can deliver broad-spectrum coverage and water-resistance claims when formulated to standard. The differences show up in feel, finish, and how the product behaves on sweat, which is the part our Sunscreen Filters: What Actually Matters in 2026 guide focuses on.

Chemical filters and the safety debate

Two chemical filters get most of the worry: oxybenzone and octinoxate. The headline concerns:

Hormone interference, based on early laboratory studies in cells and animals at exposure levels far above what daily sunscreen use produces.

Reef damage, the basis for the Hawaii and Key West bans on those specific filters in over-the-counter sunscreen sales.

What the major dermatology bodies have said as of 2026:

The American Academy of Dermatology continues to recommend broad-spectrum SPF 30+ as part of a layered sun protection plan and does not advise avoiding chemical filters in general.

The Skin Cancer Foundation echoes this position in its sunscreen guidance and recommends sticking with daily SPF over skipping it.

The FDA itself has flagged that several active filters need more safety data under modern testing protocols, but has not removed them from the permitted list and continues to recommend daily use.

A 2019 FDA study found that several chemical filters absorb into the bloodstream above a screening threshold, which generated headlines but did not change the agency's recommendation to keep using sunscreen. The follow-up scientific position from both AAD and SCF: known risk of UV damage is far greater than the unconfirmed theoretical risk from systemic absorption at typical use levels.

If you have a personal or environmental reason to avoid specific filters, mineral formulas using zinc oxide or titanium dioxide are widely available and labeled clearly.

"Dermatologist tested" — what it actually means

Plain reality: "dermatologist tested" is not a regulated claim in the United States. There is no FDA standard for what testing has to happen for a product to use the phrase. In practice it usually means:

A dermatologist was on the testing panel that evaluated irritation or tolerability

A small panel test was run on volunteers, possibly with a dermatologist supervising

What it does not automatically guarantee:

Independent third-party testing

Clinical efficacy testing for SPF performance (that comes from separate FDA-required protocols)

Long-term safety studies

So is dermatologist tested actually worth it? It is a meaningful signal when paired with brand reputation, a real FDA-required Drug Facts label, and water-resistance claims that have been tested to FDA protocols. It is not a meaningful signal on its own. The more useful signals are the Drug Facts panel, broad-spectrum labeling, and an actual water-resistance time (40 or 80 minutes). For the everyday-use case for daily SPF (including indoors near windows), see Is Daily Sunscreen Worth It? Wrinkles, Windows, Answers.

What's changing in 2026

The biggest news on this front: the FDA proposed in December 2025 to add bemotrizinol as a permitted active sunscreen ingredient, framing the move as expanding consumer choice. Bemotrizinol has been widely used in Europe and Asia for over a decade with a strong safety record. If finalized, this is the first major addition to the US allowed list in many years and could meaningfully change which Korean and European formulas can sell in the United States in their original form.

For the practical impact on Korean-formulated sunscreens specifically, Are Korean Sunscreens FDA Approved? Athlete's Guide walks through how this proposal could reshape what counts as a US-legal Korean sunscreen.

A practical filter-trust checklist

When you stand in front of a wall of sunscreens, this is the order of signals that actually matter:

Drug Facts panel present. This signals the product is sold under US OTC drug rules.

Broad-spectrum, SPF 30 or higher. Floor is 30; SPF 50 is the realistic target for sport and daily outdoor use.

Water-resistance time labeled (40 or 80 min). Anything claiming "all-day sport" without a labeled time is marketing language.

Active ingredient list you recognize. Permitted filters are a short list. If you have a personal preference (mineral only, chemical OK) make it here.

Brand transparent about testing. Honest brands publish what testing they ran, how, and on whom, not just a "dermatologist tested" stamp.

Texture and format you will actually reapply. Even the most rigorously safe sunscreen does nothing in a tube that stays in your bag.

For sport-specific filter and format choice, the Sunscreen for Field Sports guide gets into how filter type interacts with sweat and reapplication friction.

Where HAESKN fits

A short orientation on US-market sunscreens across filter types and formulations, alphabetized:

Product | Filter type | Notes on filter trust signals
Beauty of Joseon Relief Sun (KR import) | Chemical, next-gen | Korean original uses next-gen filters (Uvinul A Plus, others) not on the current US OTC list; commonly sold US via personal import. Direct beneficiary if the 2025 bemotrizinol proposal finalizes
Blue Lizard Sport Mineral SPF 50+ | Mineral (zinc oxide) | Sport-positioned mineral; sweat-resistant; bottle UV-color indicator; visible cast on deeper tones
EltaMD UV Clear SPF 46 | Chemical (octinoxate-free) | Dermatologist-recommended for sensitive and acne-prone skin; transparent about its filter set
HAESKN SPF 50 Sun Stick | Chemical | FDA OTC compliant; clear finish on every tone; dermatologist tested; US manufactured
La Roche-Posay Anthelios UV Mune 400 | Chemical (Mexoryl 400) | French derm heritage; the UVMune 400 filter is not on the US OTC list, so this formula reaches US buyers mainly via import
Sun Bum Mineral SPF 50 Face Stick | Mineral (zinc oxide) | FDA OTC compliant; visible white cast on darker tones

We chose a chemical-filter formulation for HAESKN because it gives the lightweight, no-white-cast, over-makeup-compatible feel that matters for athletes and daily reapplication. Honest caveat: HAESKN launched in 2024, so independent multi-year reviewer data is thinner than the incumbents on the shortlist. We share our internal sweat-resistance and dermatologist test panel conditions openly when asked.

FAQ

Are sunscreen filters safe?

The filters permitted for sale in US sunscreens are safe for general use according to the FDA, AAD, and Skin Cancer Foundation. The known benefit of preventing UV damage outweighs the unconfirmed theoretical risks of typical use.

Is dermatologist tested sunscreen actually worth it?

The phrase is not regulated, so on its own it does not guarantee meaningful testing. Combined with FDA Drug Facts labeling, broad-spectrum coverage, and water-resistance claims, it is a useful additional signal. By itself, it is marketing.

Mineral or chemical sunscreen for daily use?

Both are FDA-permitted and effective for daily wear. Chemical filters generally feel lighter and disappear more quickly on skin, which makes reapplication easier. Mineral filters are often preferred for sensitive skin or for personal or environmental reasons. Real-world reapplication frequency matters more than filter family.

Should I avoid oxybenzone or octinoxate?

For general use the answer is no, per AAD and SCF guidance. If you swim regularly in reef-sensitive waters, or have a personal preference, mineral formulas using zinc oxide or titanium dioxide are widely available.

When will bemotrizinol be available in US sunscreens?

The FDA proposed adding it in December 2025. Final approval timelines vary; once finalized, formulations using bemotrizinol can be sold under the OTC monograph and existing Korean and European sunscreens using it can apply for US sale in their original form.

If you want a stick we built around lightweight chemical-filter performance for daily and sport use, the HAESKN SPF 50 Sun Stick is $24 and ships from the US.

About the authors. Eugene Kim is co-founder and product lead at HAESKN. He spent nearly two decades at Estée Lauder Companies, most recently as packaging design lead at Clinique, and is an adjunct professor at Pratt Institute. Sherril HwangBo is co-founder and creative director, former design director at LVMH (Moët Hennessy, DFS) and Ralph Lauren. Both are active runners and padel players, and tested HAESKN's stick format across United Airlines NYC Half training cycles, Reserve Padel Miami courts, and weekly On Running Club Miami runs before launch.

Sources

FDA, "Sunscreen: How to Help Protect Your Skin from the Sun" — https://www.fda.gov/drugs/understanding-over-counter-medicines/sunscreen-how-help-protect-your-skin-sun

FDA, OTC Monograph M020 — https://www.accessdata.fda.gov/drugsatfda_docs/omuf/monographs/OTCMonograph_M020-SunscreenDrugProductsforOTCHumanUse09242021.pdf

FDA, "FDA Proposes Expanding Sunscreen Active Ingredient List" (Dec 2025) — https://www.fda.gov/news-events/press-announcements/fda-proposes-expanding-sunscreen-active-ingredient-list

American Academy of Dermatology, "Sunscreen FAQs" — https://www.aad.org/public/everyday-care/sun-protection/shade-clothing-sunscreen/sunscreen-faqs

Skin Cancer Foundation, "Sunscreen" — https://www.skincancer.org/skin-cancer-prevention/sun-protection/sunscreen/