Preheat your oven to 350 degrees. Lightly grease a 9x13 casserole dish and set aside.
Cook shells according to package directions.
Once shells are done, drain and spread them out on a parchment lined cookie sheet to cool.
Meanwhile, brown your ground turkey in a large skillet over medium high heat.
Once brown, sprinkle the taco seasoning and water over the top of the meat and stir until combined.
Bring to a boil and reduce heat.
Let simmer for 5-7 minutes, until most of the liquid is absorbed.
Mix in the refried beans and cream cheese. Turn off the heat.
Spread 1 cup of the chunky salsa on the bottom of the casserole dish.
Fill each shell with the meat mixture and place opening side up in the casserole dish.
Once all of the shells are filled and arranged, sprinkle the shells with the additional 1/2 cup salsa.
Top the salsa covered shells with the tortilla chips and then the cheese.
Cover with foil and bake for 15 minutes. Remove foil and bake another 15 minutes.
IF FREEZING: Cover with 2-3 layers of foil, label, and freeze. To Bake: defrost overnight in your fridge and add 10-15 minutes on your baking time. If baking from frozen, add 30-45 minutes, checking every 15 minutes.