Turn a selection into a layer mask to replace a photo background.
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How to automatically select a subject
Select the main subject on a layer automatically using Select > Subject.
How to turn a selection into a layer mask
You can turn any selection into a layer mask by creating a layer mask while the selection is active. When you make a layer mask from a selection, Photoshop automatically adds black to the layer mask where there was no selection, and Photoshop leaves the area where there was a selection white.
How to replace a background nondestructively
One use for creating a layer mask from a selection is to replace a background. The black that Photoshop adds to the layer mask hides the area around the selection, without deleting that area permanently. This causes layers below to show through and appear as a new background for the subject.