; (2) by redesignating subsection (b) as subsection (c); (3) by inserting after subsection (a) the following: (b) Navigator referral (1) In general An employer described in paragraph (3) shall refer each full-time employee (as defined in section 4980H of the Internal Revenue Code of 1986) to— (A) an entity that serves as a navigator under section 1311(i) of the Patient Protection and Affordable Care Act ( 42 U.S.C. 18031(i) ) for the Exchange operating in the State of the employer; or (B) if the Exchange operating in the State of the employer does not have an entity serving as such a navigator, another entity that shall carry out equivalent activities as such a navigator. (2) Referral The referral described in paragraph (1) shall occur— (A) at the time the employer hires the employee; or (B) on the effective date described in subsection (c)(2) with respect to an employee who is currently employed by the employer on such date. (3) Employer An employer described in this paragraph is any employer that— (A) does not provide an eligible employer-sponsored plan as defined in section 5000A(f)(2) of the Internal Revenue Code of 1986; or (B) provides such an eligible employer-sponsored plan, but the plan is determined under section 36B(c)(2)(C) of such Code— (i) to be unaffordable to the employee; or (ii) to not provide the required minimum actuarial value. ; and (4) in subsection (c), as so redesignated— (A) in the heading, by striking Effective date and inserting Effective dates ; (B) by striking Subsection (a) and inserting the following: (1) Notice Subsection (a);