To a large skillet add the oil over medium heat once hot add in the onion and turkey break the turkey up and cook it through. Once cooked add in the taco seasoning and water stir well and stir in the refried beans simmer together for 5-6 minutes.
Grease a 9x13 baking dish with non-stick spray. Place the taco shells in the pan, fill each taco shell with the taco filling sprinkle the tops with cheese. Bake for 7-10 minutes.