In a medium saucepan, combine all your ingredients: cocoa powder, sugar, milk, creamer, vanilla extract, peppermint extract, chocolate chips, and a pinch of salt.
Whisk the mixture thoroughly until the cocoa powder is fully dissolved, ensuring it doesn’t remain floating on top.
Set the saucepan over medium heat and stir frequently to prevent the milk from scorching or the chocolate from sticking to the bottom.
Continue to heat, stirring occasionally, until the chocolate chips are completely melted, and the milk starts to gently simmer or bubble slightly around the edges (avoid a rolling boil).
Once the hot chocolate is smooth and heated through, remove the saucepan from the heat.
Carefully pour the hot chocolate into individual mugs using a ladle.
Top with your preferred garnishes, such as whipped cream, marshmallows, chocolate shavings, or a dash of cinnamon.
Serve immediately and enjoy!