Cheddar Ham Chowder

In a large saucepan, bring water, potatoes, carrots, celery, onion, salt, and pepper to a boil. Reduce heat; cover and simmer for 8–10 minutes or until vegetables are just tender. Remove from heat and do not drain.

Meanwhile, in a large skillet, melt the butter. Stir in the flour until smooth; gradually add the milk. Bring to a boil; cook and stir for 2 minutes or until thickened. Add cheese and stir until melted. Stir into the undrained vegetables and return to heat. Add ham and heat through, stirring occasionally.