LOS ANGELES (AP) — Stumped about that holiday gift for your niece or grandson

Forget the tablet. How about surprising them with a free month of health care insurance?

California's health insurance exchange is urging holiday shoppers to think about giving young people "the gift of health."

Some suggestions: Help a young adult pay for coverage, or send an e-card with a personal message and information about the federal health care overhaul.

The campaign announced Thursday highlights a critical financial issue for insurers. Covered California needs to sign up as many young, healthy people as possible — those between 18 and 35 — to offset insurers' cost of carrying older and sicker customers.

In the agency's first month of operation, most of those who applied for coverage were older people with health problems.