i have recently noticed i am getting light brown spots on my face and was wondering what is it and is it normal at age 28?

i am fair complected and NEVER go out in the sun, especially without sunblock cuz all i do is burn. i am not on any birth control and never have been. i do have very high stress levels and have very bad insomnia.

i also have a rash on my left cheek i can't seem to get rid of as well.

please help!! o.O