Chloasma (or melasma) refers to facial pigment, primarily in women. Although it is often blamed on hormone fluctuations ("Mask of pregnancy"), many if not most cases occur in people who have never been pregnant or taken the pill. And even if the spots come while taking the pill, stopping the pill doesn't make them go away, so you might as well resume the pill if you want to. There are very effective prescription-strength medications available. None of them is covered by insurance. You might try over-the-counter 2% hydroquinone (many brands) first. Keep in mind that sun will always darken spots that are there or bring out ones that have faded. SPF numbers only refer to the sunburn rays (UVB)--you should use a screen that blocks UVA as well (many brands.) Wear one of these every day you'll be out, even if only a little. You should consider one visit to a dermatologist. A tube of cream costs about $100 for the brand-name (more effective), less for the generics.) You will need to keep at this, at least in sunny months, but you should be able to keep it way down.
Best.
Dr. Rockoff