~ A 'loaded baked potato' in a soup!
~ You can easily use chicken or vegetable broth in place of water.
~ I've lighten it up by using only 8 oz. of cheese in the soup.
~ For a quick one pot version, start vegetables in dutch oven. When they are tender, add butter. Mix flour in COLD milk to get out the lumps before adding to the pot! Once it's bubbly and thickened, add cheese, ham and season.