To require "certification" for the individuals and organizations acting as “navigators” authorized by the federal health care law (“Obamacare”) to assist individuals who apply for government-subsidized health benefits through the law's “exchange,” including criminal background check and training requirements. The bill requires the Department of Insurance and Financial Services to determine whether a training program not created by the state sufficiently protects the privacy and security of Michigan residents' personally identifiable information. If it does not, then the state would have to provide its own version. The bill authorizes administrative sanctions and fines for individuals and organizations who violate various rules, including "steering" a person toward a particular policy.