Is sublingual b12 daily ok to take for pernicious anemia? my health insurance hasn't started yet and i've had to skip injections.

Injections done by: you are inexpensive, e.g. once weekly; just need Rx & approximate amount. Alternatively, just a high dose orally often works; commonly the case that even without intrinsic factor, a large enough daily oral intake, including quality OTC versions, can overcome the absorption problem & may be the least expensive route. Thus don't focus on the money accumulators (insurance), not the wisest option.