Heat the avoado oil in a duch oven over medium heat, then ass the onions and poblano pepper. Saute for 5-6 minutes until the veggies are soft and starting to brown.
Add the rest of the ingredients to the pot except for the rice and cheese (if using). Stir everything together and simmer on medium-low heat for 20 minutes.
After 20 minutes, stir in the precooked rice and continue to cook for 5 more minutes. Add more broth if needed and cheese, optional.Serve hot.