I could be wrong about this though.
Digital Insider #14: Character Builder
I've gotten a number of questions about how the Character Builder is going to interact with D&DI subscriptions. Here are some answers: Once the full version of the Character Builder is ready, it will be added to the D&DI package and we plan to raise the price. However, if you are already a subscriber, then our new price will not kick in for you until the end of your current term. In other words, if you sign up for a year at $4.95 per month, then you will get the Character Builder "for free" until the end of your year (at which point you would renew at the new price). We haven't finalized the new pricing yet, but we will let you know once we have.
At some point in the future, we may decide to introduce an "applications only" package and a "magazines only" package along with a bundle of everything together, but at this point, we don't think we have enough different components to Insider for this split to make sense. As we continue to add features (Character Visualizer, Dungeon Builder, etc.), this is a decision we will continue to revisit. For the near-term future, there will continue to be just one Insider package.