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With a standard test at 90 days post exposure, you should be satisfied with the result since it is now more than 99% accurate. Majority of people with HIV will develop detectable antibodies within 2 to 8 weeks (the average is 25 days) post exposure. However the CDC warns that in very rare cases, it may take up to 6 months to develop antibodies to HIV. But this is very very rare and your 3 months test is accurate.