I know you're looking more for advice on what to do next, but I think the white is probably paint. It is hard to tell from the photos, but it has to do with how things are layered. In the upper left corner of the hull image, it appears we are looking at the very top layer of resin with fiberglass directly beneath that. Then, it seems that the blue is on top of that and the white is on top of the blue.
Ignoring the fact that blue gel coat and white bottom paint are both relatively uncommon, just the order of the layers suggests that we are seeing blue gel coat under white bottom paint. I don't know if Macgregor ever did blue gel coat. If so, it would probably have been just from the boot stripe on down, with white gel coat above that. (I believe that Macgregor did this two-tone gel coat, but don't know for sure.)
But, if you verify that the white is on top of the blue, then you can be assured that it is paint - and probably antifouling paint, but not necessarily.
(I am just looking at individual scratches where it appears the low part of the scratch reveals blue. That is what makes me think the blue is underneath.)
The reason that matters is because painting over bottom paint is problematic. Unfortunately, I think this means you need to carefully remove all of that white from below the waterline - like all of it - while preserving as much gel coat as possible.
After that, what others have said about a barrier coat is spot on.