reported speech

[alla]

One last question for today

The doctor told me I must / have to / I had to stay for some additional tests.

Again, you are supposed to circle the correct verb, but I think all three are possible. If I report it to another person three minutes after the doctor has told me yo stay, I would use "must" or "have to". If I reported this after the additional tests have been done, I would use "I had to". What would a native speaker say?

[emsr2d2]

In the right context, all three are possible.