Bagging is a good solution for home gardens.  In the absence of bagging it is important to be on the lookout for apple diseases and find solutions when you discover problems.  The following website gives information on what to look for and some preventative measures.
See: https://extension.umn.edu/fruit/growing-apples
If you decide to use sprays you will need to know what particular problems are common for your particular apple varieties.  Sprays may not be necessary. See:  https://conservancy.umn.edu/bitstream/handle/11299/198130/Apple%20Home%20IPM.pdf?sequence=1&isAllowed=y

Thank you. Can you tell me what is causing this on my apples and how to get rid of it? 

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Dear April,

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YOUR QUESTION #0066388:

Apple spray

Hi there, I’m not the best at gardening but my apple trees have small apples on them and I want to know what to do to keep the bugs at bay. One year I did a bagging thing where I put ziplock bags on the small apples with a snipped corner to let water out and that worked, but is super time consuming and we have way too many buds/apples to do that. Please help….I want to make pies this fall. Haha

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It could be plum curculio or coddling moth as both are active now.  Cut open the apple and see what is happening.  If the skin is not broken and the spots rub off, it could be fly speck.   See the websites for more details to compare.
1. https://extension.umn.edu/yard-and-garden-news/three-key-fruit-pests-look-june
2. https://apps.extension.umn.edu/garden/diagnose/plant/fruit/apple/fruitspots/fruitsbs.html