A cosmetic composition in the form of an oil-in-water emulsion methods of using and producing cosmetic compositions is provided. The cosmetic composition includes an aqueous phase, an oil phase comprising a water-in-oil emulsifier, and an oil stabilizing component. The water-in-oil emulsifier is at concentration, by weight, of about 0.01% to about 6.0%, based upon weight of the composition. The oil stabilizing component includes one or both of an amphiphilic compound or a surfactant having an HLB of 13 or greater added to the aqueous phase. The oil stabilizing component is at a concentration, by weight, of about 0.01% to about 1.0%, based upon weight of the composition. The oil-in-water emulsion has an increased water load relative to water-in-oil emulsions without having an increased viscosity.