Melt the chocolate chips and coconut oil in the microwave in a large microwave-safe bowl. Heat for 30 seconds, then stir. Heat for 15 seconds, then stir. Repeat until 75% melted. At that point, stir until the remaining chips melt.
Add the cream cheese to the warm, melted chocolate. Mix until smooth. The heat from the chocolate will help it soften and mix in.
Stir in the powdered sweetener. Add more to taste, if desired.
In a separate large bowl, whip the heavy cream until stiff peaks form.
Add 1/3 of the chocolate mixture to the whipped cream. Mix well. Slowly fold in the remaining whipped cream.
Spoon or pipe into small serving bowls.
Notes
Nutrition: The nutrition facts are for 1/6th of the recipe. One serving has 5.3 net carbs. I pipe it into 6 glasses to divide the mousse evenly. It is very rich.Chocolate Chips: Some of the sweetness in this comes from the sweetener in the chocolate chips. You may want to add an extra tablespoon or two of sweetner if you choose chips that aren't very sweet.