2 cups water 
2 cups diced unpeeled red potatoes 
1 cup diced carrot 
1/2 cup diced celery 
1/4 cup chopped onion 
1 teaspoon salt 
1/4 teaspoon pepper 
1/4 cup all-purpose flour 
2 cups 2% milk 
2 cups shredded reduced-fat cheddar cheese 
1 cup cubed fully cooked ham
1. In a Dutch oven, combine the first 7 ingredients. Bring to a boil. Reduce heat; cover and simmer for 10 to 12 minutes or until tender. 
2. Meanwhile, place flour in a large saucepan; gradually whisk in milk. Bring to a boil over medium heat; cook and stir for 2 minutes or until thickened. Remove from the heat. Add cheese; stir until melted. Stir the ham and the cheese sauce into undrained vegetables; stir until combined.
Prize Winning Recipe
TOTAL TIME: Prep: 20 min. Cook: 20 min. 
YIELD: 7 servings. 
Nutrition Facts
1 cup: 212 calories, 9g fat (5g saturated fat), 29mg cholesterol, 847mg sodium, 18g carbohydrate (0 sugars, 2g fiber), 16g protein.