Thank you TaxGuyBill 

I tried to call Covered CA and ask the nature of the two policies on two 1095A separately but no solution

It is abnormal to see two different policies for mom and minor child since minor child is dependent on her tax return because I am health agent also and when any application is enrolled , they asked filling tax status.

Mom 's 1095A: column A= $484.81 (premium cost ); B=$508.35 (silver min cost plan) and C (advanced payment )=$483.81

Child's  1095A: column A= $246.89; B = $320.34 and C(advanced payment)=$0

Assumed both of them pay premium $246.89*12 =$2962.68

I saw the refund $3367 is more than her premium cost paid $2962.68 (could not be)

The Covered CA might mess up two forms 1095A

I input exactly 1095As which tp  received and premium tax credit $3367

I really appreciate your advice  TaxGuyBill

I love tax forum's advice