Warm the skillet: Heat the oil in a large skillet over medium-high heat. You want the pan hot so the turkey browns instead of steams.
Brown the turkey: Add the ground turkey.
Break it up with a spatula and cook until no longer pink, about 5–6 minutes. If there’s excess liquid, spoon it off so flavors concentrate.
Add aromatics: Stir in the onion and bell pepper. Cook until softened, about 3–4 minutes.
Add the garlic and cook 30 seconds until fragrant.
Season well: Sprinkle in chili powder, cumin, smoked paprika, oregano, salt, and pepper. Stir to coat the meat and veggies, toasting the spices for 30–60 seconds.
Build the skillet: Add the diced zucchini, drained tomatoes with green chiles, and chicken broth. Stir and bring to a gentle simmer.
Simmer and reduce: Cook 5–7 minutes, stirring occasionally, until the zucchini softens and most of the liquid reduces.
You want a thick, spoonable mixture.
Melt the cheese: Reduce heat to low. Sprinkle cheese evenly over the skillet. Cover for 1–2 minutes until melted and gooey.
Finish with freshness: Turn off heat.
Squeeze in the lime juice and fold in cilantro, if using. Taste and adjust salt and pepper.
Serve your way: Spoon into bowls over cauliflower rice or shredded lettuce, or tuck into low-carb tortillas. Add avocado, sour cream, or jalapeños on top.