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Dermatologists agree that the single most important skin-care product for day is sunscreen. And plenty of inexpensive moisturizers provide good sun protection and hydration.

Recommended Product

Eucerin Extra Protective Moisture Lotion SPF 30 ($10 at drugstores) is oil- and fragrance-free and good for all skin types.

The Exception

Skin that is already damaged or has a specific problem, like rosacea, eczema, or hyperpigmentation. "If your goal is simply to avoid having dry skin, many less expensive moisturizers can accomplish this," says dermatologist Kenneth R. Beer. "Skin that has sun damage or special needs will require certain products and ingredients," like antioxidants and retinoids. Patricia Wexler M.D. Oil-Free Hydrator SPF 30 ($39.50, www.bathandbodyworks.com) includes high-end ingredients (like niacin, an essential vitamin that may help improve aging skin) without the $200 price tag of many anti-aging day creams.